vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I submitted a notarized Affidavit of Status and Notice of Full Settlement and Status Correction to Experian via certified mail. This document lawfully rebutted any presumption of debtor status and demanded that all tradelines be updated to reflect Paid, Settled, or Positive standing, in accordance with my private non-debtor capacity as a Secured Party. 

The certified package was delivered to Experian on XX/XX/XXXX. Experian responded the same day by marking the disputed accounts as verified without providing : - Rebuttal to my affidavit - Any signed agreement, delegation of fiduciary authority, or lawful contract of indebtedness - Method of verification or identity of any verifying source, as mandated under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) This constitutes willful and/or negligent noncompliance with : - XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( failure to conduct reasonable investigation ) - XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) ( failure to disclose verification method ) - XXXX XXXX. XXXX and XXXX ( civil liability for FCRA violations ) PATTERN OF NONCOMPLIANCE : Experian has a known enforcement history for failing to correct consumer records and violating federal oversight obligations. This includes past regulatory actions and class-action settlements for misreporting, non-disclosure of verification sources, and refusal to honor consumer disputes. 

This repeated pattern of disregard for consumer protection laws strengthens my lawful demand for immediate correction and compensatory remedy.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I called XXXX to discuss mortgage assistance options for my current home loan due to spouse/co-borrower ( XXXX XXXX ) being deceased as of XX/XX/XXXX. My account has been never late/delinquent before and after my spouse/co-borrower passed away and was advised by XXXX XXXXhat I did not have to make a payment until XX/XX/XXXX and that the mortgage account was current and would remain current/paid as agreed if I continue to pay as agreed during the " mortgage assistance '' process. The payment that needed to be paid on XX/XX/XXXX was {$2400.00} and was paid as agreed ( see attached screenshot of customer payment portal for XXXX to reflect payments made to creditor ). I called XXXX on XX/XX/XXXX to make payment and discuss my late payments reporting to all three credit bureaus for XX/XX/XXXX and XX/XX/XXXX when I was advised by XXXX XXXXXXXX back on XX/XX/XXXX that I did not need to make a payment until XX/XX/XXXX. I was advised that in order to receive " mortgage assistance '' for my home loan, I had to be 60 days past due on my account to receive assistance, which I was not told back on XX/XX/XXXX verbally or in writing ( see attached mortgage assistance application ). I requested to cancel the mortgage assistance application and make my payment but was advised that I could NOT stop the process and to continue making my payments as agreed to avoid negative credit reporting to my all three credit bureaus. I have paid as agreed and my credit file has reported 30 day late for XXXX XXXX, 60 days late for XXXX XXXX  90 days late for XXXX XXXX, 90 days late for XXXX XXXX  60 days late for XX/XX/XXXX, and 120 days late for XX/XX/XXXX which is inaccurate and reporting negatively on all three credit bureaus. I called XXXX to dispute this inaccurate late payments and was given an apology 4x and advised to dispute all three credit bureaus to correct inaccurate payment history information for my account. I am protected by the 15 U.S Code 1666b-timing of payments and request that this this corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$610.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$260.00} XXXX XXXX Balance {$750.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} XXXX XXXX Balance {$410.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX XXXX Balance {$920.00} XXXX XXXX XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$8000.00} 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 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 XXXXXX/XX/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 2025-05-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-29 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:
My account with XXXX XXXXXXXX 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 in to be removed. 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. XXXX XXXX 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! Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
My account with XXXX XXXXXXXX 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 in to be removed. 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. XXXX XXXX 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! Delete 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 2025-05-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FC HoldCo LLC
State: TX

Complaint narrative:
this company is violating my right they have not provided validation information under XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently i have made Previous attempts to fix these Issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts asap

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 2025-05-29 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$610.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$260.00} XXXX XXXX Balance {$750.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00} XXXX XXXX Balance {$410.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX XXXX XXXX Balance {$920.00} XXXX XXXX XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$8000.00} 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 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 XXXXXX/XX/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 2025-05-29 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:
I am requesting the full removal of a XXXX XXXX XXXX account from my credit report. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and provided my XXXX XXXX XXXXXXXX XXXX documentation as proof during my dispute. 

The last payment on the account is reported as XX/XX/XXXX while I was incarcerated. After that, the company failed to report for many months and then resumed negative reporting without proper updates or validation. 

I disputed this with Equifax, but they closed the dispute early without considering my documentation or conducting a proper investigation. This is a violation of the Fair Credit Reporting Act ( FCRA 1681i and 1681s-2 ( b ) ). 

The balance is inaccurate, the status is misleading, and the timeline is unverifiable. I was unable to access or manage credit while incarcerated, and this account should be removed, not corrected. I request full deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX 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 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item i am asking you to verify as accurate : Experian : Account Name and Number : XXXX XXXX XXXX XXXX XXXX  Equifax : Account Name and Number : XXXX XXXX XXXX XXXX XXXX Transunion : Account Name and Number : XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: WI

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concern and dissatisfaction regarding the Equifax data breach that occurred in XXXX which compromised the personal information of over 147 million individuals, including myself. 

Equifax, as a credit reporting agency, holds a significant amount of sensitive personal and financial data, including Social Security numbers, birthdates, and credit history. The failure to adequately protect this data, and the delay in notifying affected individuals, is a serious violation of consumer trust and data protection responsibility. The account needs to be deleted from my report reporting XXXX dollars. according to the FCRA 15. U.S.C 1692 ( C ) this account needs to be removed at once.

Despite the breach having occurred several years ago, its consequences continue to affect consumers like me. The exposure of such personal information increases the risk of identity theft and financial fraud, and Equifax has not provided sufficient long-term support or compensation for those affected. 

I am particularly concerned about the following : Lack of adequate cybersecurity protections that led to the breach. 

Delayed notification to consumers about the exposure of their data. 

Insufficient remediation, such as limited-time credit monitoring instead of long-term identity protection. 

Lack of transparency and accountability regarding the breach 's full scope and aftermath. 

I urge your office to hold Equifax accountable and ensure that measures are taken to protect consumer data more effectively in the future. I also request that Equifax offer extended identity theft protection to affected individuals at no cost, given the long-term nature of the risk. 

Thank you for your attention to this matter. I look forward to your response and action

Company response to consumer: Closed with non-monetary relief