vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: PA

Complaint narrative:
My account with 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 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.

EXPERIAN 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 explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section XXXX of the Fair Credit Reporting Act ( XXXX  ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within XXXX ( XXXX ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX XXXX BREACH. PLEASE REFER TO THE EQUIFAX XXXX BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically XXXX XXXX XXXX ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security XXXX : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX / New York XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section XXXX of the Fair Credit Reporting Act ( XXXX  ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within XXXX ( XXXX ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX XXXX BREACH. PLEASE REFER TO THE EQUIFAX XXXX BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically XXXX XXXX XXXX ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security XXXX : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX / New York XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-02-27 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:
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 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 2025-02-27 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: MD

Complaint narrative:
Issue : I am filing this complaint because my credit report contains inaccurate information that I have attempted to dispute directly with the creditors and credit reporting agencies, but I have not received a proper resolution.

Details of the Dispute : 1. Late Payments and Charge-offs : My credit report reflects multiple late payments and a charge-off for different accounts that is not accurate. I reached out to the creditor to rectify the issue, but they have failed to provide any response or validation of these negative marks.

2. Unauthorized Hard Inquiries : My credit report also shows hard inquiries from XXXX XXXX XXXX ( Finance ) Inquiry Date : XX/XX/XXXX XXXX. XXXX ( Bank ) XXXX Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX. XXXX ( Bank ) XXXX Date : XX/XX/XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Date : XX/XX/XXXX XXXX. XXXX ( Bank ) XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX Date : XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX Date : XX/XX/XXXX which I did not authorize. I requested proof of authorization from these entities, but they have not provided any supporting documentation.

3. Incorrect Personal Information : There is additional personal information on my account that I do not recognize, which raises concerns about potential errors or fraudulent activity. 
I have reached out to the creditors and credit bureaus multiple times to dispute these inaccuracies. 
I have not received a response or sufficient documentation to verify these claims. 
I am now seeking legal assistance to ensure that my credit file is corrected.

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 2025-02-27 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
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 2025-02-27 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:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
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 2025-02-27 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: MD

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been in a XXXX XXXX XXXX for XXXX  years. My student loan account has a XXXX  freeze, meaning I can pay and discuss, but XXXX can't collect the debt. They are reporting me at XXXX  days past due, and they already have my daughter who is a XXXX year in repayment status, and have me delinquent on that as well. This has impacted my credit score in the worst way and my current creditors are lowering my available balance due to the steep drop in my credit score. XXXX acknowledges that this was on a freeze.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been in a XXXX XXXX XXXX for XXXX  years. My student loan account has a XXXX  freeze, meaning I can pay and discuss, but XXXX can't collect the debt. They are reporting me at XXXX  days past due, and they already have my daughter who is a XXXX year in repayment status, and have me delinquent on that as well. This has impacted my credit score in the worst way and my current creditors are lowering my available balance due to the steep drop in my credit score. XXXX acknowledges that this was on a freeze.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been in a XXXX XXXX XXXX for XXXX  years. My student loan account has a XXXX  freeze, meaning I can pay and discuss, but XXXX can't collect the debt. They are reporting me at XXXX  days past due, and they already have my daughter who is a XXXX year in repayment status, and have me delinquent on that as well. This has impacted my credit score in the worst way and my current creditors are lowering my available balance due to the steep drop in my credit score. XXXX acknowledges that this was on a freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
The offending mortgage company is XXXX XXXX. They didn't pay my XXXX XXXX and then the policy expired. There was a storm in the XXXX, I was worried about reinstatement, so I called my XXXX XXXX and paid for the policy on my credit card in the amount of {$5900.00}. I sent the reinstatement letter and proof of payment to Shellpoint on XX/XX/XXXX and asked them to rebalance my escrow and send me a check. I followed up a month later with multiple phone calls and eventually spoke to someone knowledgeable. They verified everything and had me provide the insurance reinstatement documents to them directly. They confirmed receipt and assured me that it would be reviewed and a credit would be provided. A month later I got an escrow annual summary and they showed an " Anticipated Payment '' where they paid my insurer instead of an ACTUAL payment which was {$0.00} ( I paid them ). I assumed it was all big company right hand / left hand type issues that would take them time to resolve. I then got a letter saying my loan was sold to XXXX XXXX. Shellpoint now refuses to talk to me about it and XXXX says they can only go by what Shellpoint reported to them as my escrow balance and that they do not have an obligation to verify that the escrow balance is correct. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IL

Complaint narrative:
This is a followup to complaint XXXX which was not resolved by Lexis Nexis. Here is the text of my original complaint : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I learned that my Lexis Nexis consumer report had record of an at-fault automobile accident. The accident was not-at-fault, and the date of loss was XX/XX/XXXX. Upon learning this, I contacted XXXX, who wrote a letter in XXXX of XXXX confirming that the accident was not-at-fault. Nevertheless, over the last 2 years, the incorrect reporting by Lexis Nexis has driven up my automobile insurance rates. I heavily pursued getting this corrected on Lexis Nexis ' end in the fall of XXXX. Their correction processes have been incredibly cumbersome and it is nearly impossible to get direct answers or to speak to someone over the phone who can help. Their phone call centers lead to dead-ends. Lexis Nexis continues to tell me they can not even issue me a copy of my own report due to failure to verify my identity, despite providing copies over time of my driver 's license and passport. Nevertheless, I provided Lexis Nexis with my letter from XXXX, intended to correct the record, but Lexis Nexis didn't accept the letter and won't correspond with me. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- - After filing complaint XXXX, Lexis Nexis called me to verify my information so they could send my report. Over the phone, their representative told me the information confirmation was successful and that me report would be sent to me by U.S. mail. I received correspondence from them, but they still declined to provide my CLUE consumer report based on an inability to verify me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation of section XXXX A XXXX XXXX XXXX XXXX XXXX. Please remove from my credit report XXXX XXXX  Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I request an investigation into these items and their removal from my report. It is my understanding that you will verify these items with the respective creditor. Please delete any information that the creditor is unable to confirm. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within XXXX  days of receiving this letter. 

Kindly send an updated copy of my credit report to the aforementioned address. According to the act, there should be no charge for this updated report. Additionally, I request that you notify any party who has received my credit report in the past XXXX months of the corrections made. 

Thank you for your attention and assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
Equifax keeps removing and then relisting accounts on my credit report, I use credit karma and shows zero derogatory remarks and stated XXXX XXXX  has been removed i had to collections from XXXX that i was disputing and i look today XX/XX/year> and they are back on my credit report. how can they keep closing and removing and then adding them back?

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 2025-02-27 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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