vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRST ADVANTAGE CORPORATION
State: SC

Complaint narrative:
My credit was pulled and wasnt supposed too! XX/XX/XXXX received another letter. Why was XXXX in XXXX using it when Im in South Carolina

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to XXXX XXXX, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated. 

This was clearly a billing error made my the company and is not a reflection of my payment experience. 

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!

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: GA

Complaint narrative:
I am filing a formal complaint regarding an outdated and inaccurately reported account from XXXX Bank that appears on my Equifax credit report. The account shows a balance of {$2400.00}, but also lists the highest balance ever as {$0.00}, which is contradictory and inaccurate. 

The last payment on this account was made in XX/XX/year>. It is now over 6 years old, and the statute of limitations in my state has expired. I have not made any payments or acknowledged the debt since then, and I am not requesting to pay it. I simply want this obsolete, inaccurate item removed. 

The account is currently marked as Consumer disputes - reinvestigation in progress, yet it has remained unchanged for an extended period of time. Given the combination of its age, the reporting error, and the fact that it is not collectible, I am asking that this account be deleted entirely from my credit file. 

What I want to happen : I am requesting the immediate deletion of this account from my credit report due to : Reporting inconsistencies ( i.e., balance due vs. highest balance of {$0.00} ) Expired legal collection window Failure to properly update after investigation The age of the account negatively impacting my credit profile without justification If it can not be verified or corrected with accurate data, it must be removed under the FCRA.

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: EQUIFAX, INC.
State: TX

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. 

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!

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: PA

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 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: PA

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: PA

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S.C Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ). After reviewing my consumer report it has come to my attention that your office has again violated my privacy. 15 U.S.C 1681 Section 602a 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. No consent is fraudulent.

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: PREFERRED CREDIT INC
State: FL

Complaint narrative:
Subject : Request for Account Review Program Not Completed Due to Circumstances Beyond Our Control Dear Preferred Credit Team, I hope this message finds you well. I am reaching out to express a very unfortunate and concerning situation. 

I purchased a program offered by representatives of the company XXXX, who assured me that the service involved enrolling XXXX individuals in an educational program. We successfully completed the first 6 participants in less than a week, but unfortunately, we were unable to complete the rest of the program because the XXXX office suddenly closed and no longer had staff available to continue the sessions or fulfill the remainder of the service. 

It is truly unfortunate to have to continue paying for a product or service that could not be completed due to reasons completely beyond our control. I would like to know if it is possible to reach a fair agreement that does not negatively affect my credit, as we have acted in good faith throughout this entire process. 

I would greatly appreciate your understanding and attention to this matter. I look forward to your response so that we can resolve this situation in the best way possible..On the attach documents I'm going to be adding the program information that we did and we did win the pans and the cruise, so you guys can see that we were doing the program.How I said before is not in our hands what happen in the office and with the people that just to work there. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

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 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: EQUIFAX, INC.
State: MO

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 2025-04-09 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: EQUIFAX, INC.
State: KS

Complaint narrative:
it has come to my attention that my personal information has been exposed in a XXXX XXXX breach. Other reviewing of my credit reports I notice some account that im not familiar with I have asked CRA 's for validation of debt. however the information has not been provided Due to my information being exposed I have submitted a FTC complain reporting the information im not familiar with. Please find the attached copt of my ID, THE FTC complain and a copy of the XXXX report showing my information being exposed in a XXXX XXXX  breach and a validation of Debt letter.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am reaching out to request the removal of a particular inquiry on my credit report that I did not authorize. I want to make it clear that this inquiry has no permissible purpose and should not be listed on my report.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Student loan — Federal student loan servicing
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: Nelnet, Inc.
State: SC

Complaint narrative:
I have student loans with NelNet - 7 total accounts. I had been paying on them monthly. For the last 4 months I've been unable to get into my account. Even resetting my password didn't work because no emails would show up with the verification code. I tried this over 10 times and no verification emails ever came through. I searched and also had no " billing statements '' or " past due account '' notices in my email. I also hadn't received any regular mail. I decided I would keep trying to get into my account, since it appeared I wasn't behind. Fast forward to today when my credit score drops from XXXX to XXXX. Instantly, I pulled my report to see why, and there are 6 accounts ( all paid by XXXX to XXXX service provider ) now listed as delinquent with ZERO notifications since XX/XX/year>. I called them to find out the issue, my auto pay wasn't working and I was {$690.00} dollars past due. {$690.00} ... .let that sit and because it is one payment spread across XXXX accounts, they marked XXXX of those delinquent. Why the XXXX wasn't marked, I have no idea. But regardless, that hit 's your credit score XXXX harder for XXXX payment, a past due balance I was unaware of. So I took a XXXX point drop for {$690.00} due to NelNets failure to communicate or use my auto pay.

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: KS

Complaint narrative:
it has come to my attention that my personal information has been exposed in a XXXX XXXX breach. Other reviewing of my credit reports I notice some account that im not familiar with I have asked CRA 's for validation of debt. however the information has not been provided Due to my information being exposed I have submitted a FTC complain reporting the information im not familiar with. Please find the attached copt of my ID, THE FTC complain and a copy of the XXXX report showing my information being exposed in a XXXX XXXX  breach and a validation of Debt letter.

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: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: CA

Complaint narrative:
**Subject : ** Formal Dispute and Revocation of Consent Under FCRA and GLBA Under the **Fair Credit Reporting Act ( XXXX U.S.C. XXXX, et seq. ) ** and the XXXX XXXX ( XXXX XXXX. XXXX, et seq. ) **, I am formally notifying you of the following : XXXX. **Violation of Privacy Rights** - XXXX XXXX. XXXX, Section XXXX ( a ) ** mandates that consumer reporting agencies ( CRAs ) exercise their responsibilities with fairness, impartiality, and respect for privacy. XXXX and XXXX, as CRAs, have failed to meet this obligation regarding my personal data. 
- XXXX U.S.C. XXXX affirms that financial institutions ( including furnishers of information to CRAs ) must protect the confidentiality of nonpublic personal information. No written or explicit consent was provided to share my data, and any prior consent is hereby **revoked in full**. 

XXXX. **Unauthorized Disclosure** - XXXX XXXX. XXXX ( a ) ( XXXX ) ** permits furnishing a consumer report *only* with the consumers written instructions. Neither the furnisher nor the CRAs have obtained such authorization. 
- XXXX U.S.C. XXXX ( b ) ( c ) ** requires disclosure of my right to opt out of third-party sharing. I was never informed of this option. 

XXXX. **Inaccurate and Outdated Reporting** - XXXX XXXX. XXXX ( a ) ( XXXX ) ** prohibits reporting adverse items older than XXXX years ( excluding criminal convictions ). The account referenced is both outdated and improperly reported. 
- XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ** bars furnishers from providing inaccurate information. The data in question is incorrect and must be corrected or deleted. 

XXXX. **Opt-Out Demand** Pursuant to XXXX XXXX. XXXX, I am exercising my right to **opt out** of all data sharing with nonaffiliated third parties, effective immediately.

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