vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: OH

Complaint narrative:
My account with EQUIFAX EXPERIAN 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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 XXXX 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 2025-03-15 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-15 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: AL

Complaint narrative:
Experian has not been verifying these accounts. I have been disputing XXXX XXXX XXXX for months, and they deny any update it. I did a dispute with them few days ago and it came back verified, but the last update was XX/XX/year> also the days reporting late has XXXX more than once. This is proof that Experian is violating the Metro 2 Compliance law and the FCRA 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 2025-03-15 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: EdFinancial Services
State: OH

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA, and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-15 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Mohela took over my deferred loans from XXXX but failed to maintain the deferment, a change I was never informed about. As a result, they reported my account as XXXX  days late, even though I was never contacted about making a payment. After discovering this, I called them, set up a plan on XX/XX/XXXX, and brought my account current. 

Despite this, they reported both of my loans as late a second time, causing my XXXX XXXX to drop by XXXX points, followed by another XXXX drop. When I called to address the issue, they confirmed my account was current and advised me to file a dispute with the credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unfair negative reports on my credit file. Because XXXX reporting is both incorrect and harmful, they are legally obligated to investigate and correct these errors. The XXXX XXXX XXXX prohibits loan servicers from reporting late payments if the borrower was in deferment at the time. Mohelas mishandling of my account has severely damaged my XXXX XXXX, not once but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account numberXXXX Open date : XX/XX/year>. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX TX 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 2025-03-14 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: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of an account listed under XXXX, with account number XXXX, on my credit report. The reporting of this account contains multiple inaccuracies and potential violations under 15 U.S. CXXXXe XXXX  ( Fair Debt Collection Practices Act ) and 15 U.S. CXXXXe XXXXb ( Fair Credit Billing Act ). 

Dispute Details : XXXX. Violation of 15 U.S.C. XXXX ( FDCPA ) Unfair Debt Collection and Reporting The account is listed as charged off and purchased by another lender ( XXXX XXXX XXXX XXXX. ), yet there is no documented validation that the alleged debt amount is accurate or legally enforceable. 
Under 15 U.S.C. XXXXg, debt collectors must provide proper validation of debts upon request. No such validation has been provided. 
The balance is listed as {$0.00}, yet the comments indicate an unpaid balance reported as a loss. This contradiction suggests misleading or inaccurate reporting, a potential violation of 15 U.S.C. XXXXe ( XXXX ) ( False or misleading representation of debt ). 

XXXX. Violation of 15 U.S.C. XXXXb ( XXXX ) Improper Handling of Billing Errors The account was reportedly sold to another lender, but no notification was provided about the transfer or my rights under the Fair Credit Billing Act to dispute the charge before it was reported as a charge-off. 
If the account was transferred, the original creditor must ensure that any balances are accurately transferred and reported consistently across all XXXX credit bureaus. 
The creditor or collection agency has failed to provide documentation confirming the legitimacy of the transferred balance, as required by 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 2025-03-15 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
There are XXXX companies currently reporting old accounts and inaccurate information on my XXXX and XXXX accounts. I have tried reaching out and they do not provide any information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This collector keeps resetting the dates of this account that was opened in XXXX and was already satisfied in full to the original creditor which is XXXX XXXX XXXX XXXX  This account was opened on XXXX and when I reached out to please get a copy of their collections with the date it opened which was XXXX they refused. This account should've been taken out of my report since XXXX as per law code u.s.c 1681 they are reporting inaccurate information and this should be removed from my XXXX report. 

XXXX XXXX XXXX XXXX XXXX XXXX ) I have reached out to this collections company as they are reporting inaccurate information that this account was opened in XX/XX/XXXX. I have never opened an account with this company and as per law code u.s.c XXXX they are reporting inaccurate information and this account should be removed from my experian report. 

XXXX & XXXX ( XXXX ) I have tried to reach out to this company as I have never had an account with Progressive before. I called XXXX and the address they have on file I have never lived in and is inaccurate. As per law code u.s.c 1681 they are reporting inaccurate information and this account should be removed from my XXXX report. 

XXXX This company has reported XXXX CLOSED accounts with a balance and when I reach out to them to receive documentation of when these accounts were opened as I have never used their services they decline. As per law code u.s.c 1681 they are reporting inaccurate information and this account should be removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Central Portfolio Control Inc.
State: CA

Complaint narrative:
There are XXXX companies currently reporting old accounts and inaccurate information on my XXXX and XXXX accounts. I have tried reaching out and they do not provide any information. 

XXXX XXXX XXXX XXXX Lady of XXXX ) This collector keeps resetting the dates of this account that was opened in XXXX and was already satisfied in full to the original creditor which is Our Lady of XXXX. This account was opened on XXXX and when I reached out to please get a copy of their collections with the date it opened which was XXXX they refused. This account should've been taken out of my report since XXXX as per law code u.s.c 1681 they are reporting inaccurate information and this should be removed from my XXXX report. 

XXXX Portfolio Con ( XXXX XXXX ) I have reached out to this collections company as they are reporting inaccurate information that this account was opened in XX/XX/XXXX. I have never opened an account with this company and as per law code u.s.c 1681 they are reporting inaccurate information and this account should be removed from my experian report. 

XXXX & XXXX ( XXXX ) I have tried to reach out to this company as I have never had an account with Progressive before. I called XXXX and the address they have on file I have never lived in and is inaccurate. As per law code u.s.c 1681 they are reporting inaccurate information and this account should be removed from my XXXX report. 

XXXX This company has reported 2 CLOSED accounts with a balance and when I reach out to them to receive documentation of when these accounts were opened as I have never used their services they decline. As per law code u.s.c 1681 they are reporting inaccurate information and this account should be removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding the reporting of charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), an unpaid charge-off is considered income, and under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. 

I am formally requesting a XXXX ( Cancellation of Debt ) form for the following charged-off accounts : Affirm : Account XXXX XXXXXXXX {$120.00} Charge-off Reporting on XXXX Account XXXX XXXXXXXX {$110.00} Charge-off Reporting on XXXX  Account XXXX XXXXXXXX {$79.00} Charge-off Reporting on XXXX Account XXXX XXXX {$110.00} Charge-off Reporting on XXXX Account XXXX XXXXXXXX {$210.00} Charge-off Reporting on XXXX Account XXXX XXXXXXXX {$450.00} Charge-off Reporting on XXXX After further investigating I was notified the account was purchased by XXXX XXXX. Since these accounts have been sold to another lender or collection agency, it can no longer be reported as a charge-off on my credit report. Therefore, I am requesting that you provide the XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX  and his DOGE team looked at the private data of millions of Americans. This needs to be reconciled with forgiveness of the loan. There was no reason for him to have access to all of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 XXXXb 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 XXXXb ( 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 XXXX ( 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 XXXX 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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was denied a credit card application around XX/XX/year> due to Equifax not having my residential address on file. I called Equifax and asked them to update my record. Equifax representative told me to send a brief cover letter explaining my request, plus a copy of my Driver 's License, plus a copy of my Social Security card, via mail. I sent these. Equifax refused to update my credit report, and sent me a letter requesting another copy of the exact same documents. I called Equifax and asked about this, and the representative refused to tell me why " Equifax was unable to validate '' the documents I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
I am writing to formally dispute fraudulent accounts that have been added to my credit report without my authorization. As a victim of identity theft, I request the immediate removal of these fraudulent accounts under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Fraudulent Accounts on My Credit Report : Credit Card Opened by the Thief XXXX  Card Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Credit Card Opened by the Thief XXXX  Card Services Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Legal Basis for My Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 As a victim of identity theft, I have the right to request the blocking of fraudulent information from my credit report. 
Experian must remove fraudulent information within XXXX business days of receiving my dispute and supporting evidence. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i If disputed information is inaccurate, incomplete, or unverifiable, Experian must delete it.

The credit bureau can not reinsert fraudulent information unless the creditor provides proper certification, and I must be notified within XXXX business days if reinsertion occurs. 
XXXX. Fair and Accurate Credit Transactions Act ( FACTA ) 15 U.S.C. 1681m Identity theft victims have the right to place fraud alerts on their credit file to prevent further unauthorized use. 
XXXX. Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 It is a federal crime to use another persons identity to commit fraud.

I have reported this crime to the Federal Trade Commission ( FTC ) under FTC Report Number XXXX and have taken legal steps to protect my identity. 

Requested Actions : XXXX. XXXXmmediate removal of the fraudulent accounts from my credit report. 
XXXX. Written confirmation from Experian stating that these fraudulent accounts have been removed permanently. 
XXXX. Placement of a fraud alert on my file to prevent further identity theft. 
XXXX. A free updated copy of my credit report reflecting these corrections.

Company response to consumer: Closed with non-monetary relief