vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-09 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: SC

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment 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 explanation
Consumer complaint received 2025-04-09 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: SC

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 2025-04-09 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: SC

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2025-04-09 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:
There is a bankruptcy account listed on my report that inaccurately identifies the bankruptcy court as the furnisher of the information. I contacted the bankruptcy court directly, and they confirmed that they do not furnish data to credit reporting agencies. Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/year> Reference # : 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX Re : FTC Reports Identity Theft XXXX XX/XX/XXXX Consumer notices inquiries on Credit Reports Section 605B of the Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ( CRAs ) block the reporting of information identified by a consumer as resulting from alleged identity theft, within 4 business days of receiving the necessary Proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MD

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
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-09 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: VA

Complaint narrative:
Subject : Request for Deletion of Derogatory Items from Credit Report Hello, I am writing to formally request the removal of certain derogatory items listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified the following entries that I believe are inaccurate, outdated, or otherwise require deletion. 

The items in question are : XXXX. XXXX XXXX Account Number : XXXX Reported as : CLOSED XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Reported as : CLOSED XX/XX/XXXX XXXXXXXX XXXX XXXX- Account Number : XXXX NO CONTACT WITH THIS COMPANY PLEASE DELETE XXXXXXXX XXXX XXXX- Account Number XXXX XXXX XXXX CONTACT WITH THIS COMPANY PLEASE DELETE XXXXXXXX XXXX XXXX- Account XXXX NO CONTRACT WITH THIS XXXX PLEASE DELETE XXXX XXXX- Account Number : XXXX reported closed as of XXXX XXXX XXXX XXXX Account Number : XXXX Closed on XX/XX/XXXX XXXX NO CONTRACT WITH THIS COMPANY PLEASE DELETE XXXX XXXX XXXXTHIS CONTRACT WAS CLOSED. PLEASE DELETE. 

Under federal law, specifically the FCRA, any information that is inaccurate, incomplete, or can not be verified must be removed from my credit file. I request that you investigate these entries and take appropriate action, including deletion, if they do not meet the standards for accurate reporting. 

Please provide a written response to confirm the deletion of these items from my credit report within the statutory time frame, as required by the FCRA. Additionally, I request that you send me a copy of my updated credit report reflecting these changes.

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 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I am writing in response to your recent communication regarding the alleged debt associated with XXXX that now Caine & Weiner are collecting on since XX/XX/XXXX. I received a negative response from a potential employer concerning this collection. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally requesting debt validation, including verification of the chain of assignment demonstrating your legal right to collect this debt.Specifically, I request the following:1.Proof of Assignment Provide all assignment contracts, bills of sale, and any other documentation establishing an unbroken chain of assignment from the original creditor to your agency.2.Validation of the Alleged Debt Provide a copy of the original agreement that legally obligated me to pay this debt.3.Itemized Statement Provide a detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges.4.Your Authority to Collect Provide proof that your agency is legally authorized to collect on this debt in my state.This debt is over the statue of limitations as well.They continue to re-report as a new file and last activity was on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
Subject : Formal Complaint and Dispute Against XXXX for False and Harmful Credit Reporting Dear CFPB, My name is XXXX XXXX XXXX, and I am filing a formal dispute against XXXX for inaccurately reporting XXXX separate XXXX delinquencies on my credit report tied to student loans I never agreed to, nor received proper notice or documentation for. 

Account Details : Loan # XXXX : {$2600.00} Reported as 90 days late Loan # XXXX : {$2200.00} Also reported as 90 days late Both delinquencies were reported across all three credit bureaus : XXXX, XXXX, and TransUnion. 

I attended XXXX XXXX XXXX in 2018 and have not received any billing statements, payment requests, or communications from XXXX in the past XXXX years. I also do not recall signing or agreeing to any repayment terms for these loans. 

This sudden appearance of XXXX XXXX late marks on my credit report is not only extremely damaging to my financial reputation, but appears to violate multiple sections of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations That Apply : 15 U.S. Code 1681s-2 ( a ) : XXXX, as a furnisher of information, has a legal responsibility to report only accurate and verified data to credit bureaus. Reporting me 90 days late for XXXX loans I never acknowledged or received notices for is a direct violation. 

15 U.S. Code 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. These delinquencies are both inaccurate and misleading, and should not be reported.

15 U.S. Code 1681i ( a ) : When a dispute is filed, the information furnisher ( XXXX ) is obligated to provide verified documentation, such as the original signed promissory notes or other legally binding agreements. Failing to do so means the entries must be corrected or deleted. 

My Requests : I am requesting that XXXX provide documentation of both loan agreements, including my original signature and a full payment history. 

If this information can not be verified, I am requesting the complete removal of both accounts from my credit reports or at the very least, correction of the false XXXX late notations. 

I am asking the CFPB to investigate MOHELAs reporting practices and hold them accountable for potential FCRA violations, as their actions have caused real and unjust harm to my credit standing. 

Attached are supporting documents including screenshots from my credit report showing the XXXX accounts in question. 

Thank you for your attention to this matter. I appreciate your help in ensuring that my consumer rights are protected and that my credit report reflects only verified, lawful, and accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
Subject : Formal Complaint and Dispute Against XXXX for False and Harmful Credit Reporting Dear CFPB, My name is XXXX XXXX XXXX, and I am filing a formal dispute against XXXX for inaccurately reporting XXXX separate XXXX delinquencies on my credit report tied to student loans I never agreed to, nor received proper notice or documentation for. 

Account Details : Loan # XXXX : {$2600.00} Reported as 90 days late Loan # XXXX : {$2200.00} Also reported as 90 days late Both delinquencies were reported across all three credit bureaus : Equifax, XXXX, and XXXX. 

I attended XXXX XXXX XXXX in 2018 and have not received any billing statements, payment requests, or communications from XXXX in the past XXXX years. I also do not recall signing or agreeing to any repayment terms for these loans. 

This sudden appearance of XXXX XXXX late marks on my credit report is not only extremely damaging to my financial reputation, but appears to violate multiple sections of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations That Apply : 15 U.S. Code 1681s-2 ( a ) : XXXX, XXXX a furnisher of information, has a legal responsibility to report only accurate and verified data to credit bureaus. Reporting me 90 days late for XXXX loans I never acknowledged or received notices for is a direct violation.

15 U.S. Code 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. These delinquencies are both inaccurate and misleading, and should not be reported.

15 U.S. Code 1681i ( a ) : When a dispute is filed, the information furnisher ( XXXX ) is obligated to provide verified documentation, such as the original signed promissory notes or other legally binding agreements. Failing to do so means the entries must be corrected or deleted. 

My Requests : I am requesting that XXXX provide documentation of both loan agreements, including my original signature and a full payment history. 

If this information can not be verified, I am requesting the complete removal of both accounts from my credit reports or at the very least, correction of the false XXXX late notations. 

I am asking the CFPB to investigate MOHELAs reporting practices and hold them accountable for potential FCRA violations, as their actions have caused real and unjust harm to my credit standing. 

Attached are supporting documents including screenshots from my credit report showing the XXXX accounts in question. 

Thank you for your attention to this matter. I appreciate your help in ensuring that my consumer rights are protected and that my credit report reflects only verified, lawful, and accurate information.

Company response to consumer: Closed with non-monetary relief