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: 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: VA

Complaint narrative:
I am reaching out to dispute inaccuracies on my credit report, specifically regarding accounts that have been incorrectly marked as late payments, as well as inaccurate personal information. After thoroughly reviewing my records, I have confirmed that these accounts were, in fact, paid on time, and the reported late payments are erroneous. Additionally, my credit report reflects incorrect personal details that need to be updated or removed.

These inaccuracies have had a negative impact on my FICO score. Under U.S. Law 15 U.S.C. 1666b, which governs the reporting of late payments, I have the right to a fair and accurate review of disputed information on my credit report. Therefore, I request that these errors be thoroughly investigated and that the late payment status be corrected to accurately reflect on-time payments.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account 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.

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 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account 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.

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 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account 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.

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 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I got paid and noticed my check was short. I investigated and found that midland funding Llc had taken a judgement out with the courts and my wages were being garnished 25 %. I called midland funding and found out it was a debt from credit XXXX XXXX from XXXX. They said in XXXX I had told them to stop calling me XXXX times daily and all hours of the day and night so because of this they only used an invalid address. I also found out that they have been sending paperwork to an address that I havent lived at in almost 12 years, I find it hard to believe that they are hitting my credit and ruining my credit score and not see my current address or any other address I have lived at, and did not send a letter or paperwork to those addresses.

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 — Reporting company used your report improperly
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Pursuant to FCRA 611 ( a ) ( 1 ) ( a ) XXXX accessed my private data through the Department of Education. I believe this is improper and feel these loans should be removed from my credit report.

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:
- My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Couch Lambert LLC
State: NM

Complaint narrative:
Garnishment proceeding started. Lawsuit filed in a state I have never lived in. Company has not provided any of the required information to assist the FBI Fraud/ Identity Theft Unit . No Collection notices, returned mail notices, copies of the sheriffs notice, dates opened and charged off. Addresses notices were mailed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
While dealing with Mr. Cooper, Nationstar Mortgage and Lakeview for my late Mortgage due to be laid off I was sent news Class Action Lawsuit settlement by Mr. Cooper for XXXX XXXX for improper Alleged Mortgage Servicing Misconduct, Foreclosure procedures, and other misconduct I believe I may experiencing with my Mortgage with Mr. Cooper. Since my Mortgage was either transferred or acquired by Mr. Cooper, I immediately recalled my first encounter with representatives calling and Mr. Cooper employees false representing themselves as XXXX XXXX XXXX employees. I noted a rise in my Mortgage payment and now the Notice of Default with fees that I do not recognize that could be the as read in Mortgage Misconduct. I was advised to send Mr. Cooper a letter Validating the Mortgage they are trying to collect and I mailed copies to FTC when I should of mailed them to you.

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: EQUIFAX, INC.
State: MD

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 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: NJ

Complaint narrative:
Equifax is wrecking my credit report ( dated XX/XX/XXXXXXXX XXXX XXXX  with one fraudulent open account and four closed accountsXXXX XXXX XXXX ( " Open, {$220.00} balance, 3 late payments, '' updated XX/XX/XXXXXXXX XXXX XXXX  ( XXXX Closed, {$0.00} balance, 4 potentially negative months, '' updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( " Closed, {$28.00} balance, 4 late payments, '' updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( " Closed, {$0.00} balance, 7 potentially negative months, '' updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( " Closed, {$1400.00} balance, 12 potentially negative months, charge-off, '' updated XX/XX/XXXX XXXX XXXX. These derogatory marks are annihilating my FICO Score XXXX ( XXXX ), with Equifax citing " serious delinquency '' ( 6 accounts ever 60 days late ), " recent missed payment '' ( 3 months ago ), " short account history '' ( oldest account 6 years, 6 months ), and " few accounts paid on time '' ( only 2 accounts ), despite no collections or public records dragging me down. Equifax has a documented history of noncompliancefined by the CFPB in XXXX alongside XXXX and XXXX for deceptive practices, misleading consumers about credit scores. These accounts are unverifiable : XXXX XXXX XXXX lacks Metro 2 payment history ( XXXX XXXX XXXX XXXX ) to justify " 3 late payments '' XXXX XXXX negative months lack payment history ( XXXX XXXX XXXX XXXX  ) and are time-barred ( last updated XX/XX/XXXX, beyond 7-year limit per 15 USC 1681c ) XXXX XXXX XXXX and XXXX XXXX IN lack payment history ( XXXX XXXX XXXX XXXX XXXX ; and XXXXXXXX XXXXs charge-off lacks status codes XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX statute ( N.J.S.A. XXXX ) may bar XXXX XXXXf delinquent before XX/XX/XXXXXXXX XXXX XXXX Equifax is violating FCRA ( 15 USC 1681i ) and Metro 2Ill sue under 15 USC 1681n and hit the furnishers ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under 1681s-2 ( b ) if this isnt fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to file a formal and urgent complaint against Experian regarding their mishandling of my request to remove and block fraudulent accounts under the Fair Credit Reporting Act ( FCRA ). Despite submitting a comprehensive set of documentation, Experian has unjustly refused to remove five out of seven fraudulent XXXX accounts, while inconsistently removing two. 

Background : In dealing with identity theft, I promptly filed a request with Experian to remove and block seven fraudulent XXXX accounts. I provided all necessary documentation, including a police report, FTC Identity Theft report, my photo ID, Social Security card, and a billing statement verifying my current address. Despite this, Experian has only removed two accounts, with a representative citing different account dates as the reasonan explanation that is both inconsistent and a red flag. All seven accounts were filed for removal simultaneously, and the documentation requirements were identical for each account. 

Critical Issues : - Inconsistent and Unjust Practices : Under 15 U.S.C. 1681c-2 ( a ) of the FCRA, I am entitled to have fraudulent information blocked from my credit report. Experians selective removal of only two accounts, despite identical documentation and procedures for all seven, is both inconsistent and violates my rights.

- Opaque and Misleading Communication : The representative 's explanation regarding account dates fails to justify the differential treatment of identical cases. Additionally, the claim that documentation requirements were unmet is implausible given the removal of two accounts.

- Continued Financial Harm and Distress : The failure to remove all fraudulent accounts continues to harm my creditworthiness and causes ongoing financial and emotional distress. 

Thank you 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX, I opened my XXXX XXXX and noticed a transaction I did not recognize. Payment in the amount of {$120.00} was sent to a person I do not know. I immediately called XXXX to report the un-authorized transaction and filed a dispute case. 

On XX/XX/XXXXXXXX XXXX emailed me advising my dispute was denied. Their exact explanation was " Based on our review, we found this transaction is consistent with your payment history ''.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting the removal of inaccurate, outdated, and unverifiable personal information from my credit reports with XXXX, XXXX, and TransUnion. Despite submitting formal written disputes in accordance with the Fair Credit Reporting Act ( FCRA 609 and 611 ), these credit bureaus continue to report incorrect names, outdated addresses, and employers that are not associated with me.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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: 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
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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