vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. Original Creditor : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give your company written permission to furnish these late payments on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, 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 non-monetary relief
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, Equifax, and Transunion ) credit report and I noticed some late payments on there. Original Creditor : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give your company written permission to furnish these late payments on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Subject : Formal Dispute of Inaccurate Personal Information under the Fair Credit Reporting Act ( FCRA ) Equifax, I am writing to formally dispute the inaccurate personal information that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any incorrect or unverifiable information, and you are required by law to conduct a reasonable investigation and correct or remove any inaccurate or unverified data.

Inaccurate Information on My Credit Report 1. Incorrect Addresses : I have noticed multiple incorrect addresses listed on my credit file. These addresses are not associated with me, and I request their immediate removal : Incorrect Addresses to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Address to Be Added : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2. Incorrect Employers : Additionally, my credit report lists incorrect employment information. Under the FCRA ( 15 U.S.C. 1681c ), credit bureaus are required to ensure the accuracy of consumer reports. The following employers should be removed as they are incorrect and not associated with me : Incorrect Employers to Be Removed : XXXX XXXX  I request that all employer information be removed from my credit report, as employment history is not required for credit reporting purposes. 

Legal Basis for My Request Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit bureaus must investigate disputed information within XXXX days and remove or correct any inaccurate, incomplete, or unverifiable information. Failing to do so is a violation of federal law.

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Allowing false personal data to remain on my file is a direct violation of this provision.

Requested Action I request that you : Remove all incorrect addresses and employers listed above. 
Update my credit file with my correct address.

Provide written confirmation that these corrections have been made.

I have attached copies of my government-issued ID and a recent utility bill as proof of my correct address. If these errors are not corrected within the legally required XXXX-day period, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm the corrections in writing at your earliest convenience. If you need additional information, you may contact me at the details above.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-18 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: LEXISNEXIS
State: FL

Complaint narrative:
I am submitting this complaint against LexisNexis Risk Solutions for failure to properly investigate and remove disputed email addresses from my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ).

On XXXX XXXX XXXX5, I disputed multiple incorrect email addresses in my LexisNexis consumer report via certified mail ( XXXX XXXX XXXX ). I specifically requested that LexisNexis remove any unverified or incorrect email addresses and provide documentation verifying the source of the reported information. 

LexisNexis failed to provide proof of verification and continued reporting inaccurate email addresses. 

On XX/XX/2025, I submitted a final legal demand to LexisNexis ( XXXX XXXX XXXXXXXX ), citing their non-compliance with FCRA 1681i ( a ) ( 5 ), which requires consumer reporting agencies to delete unverifiable or inaccurate information. 

On XX/XX/2025, LexisNexis sent a new disclosure report, which acknowledged that some data was unverifiable and removed certain information, but **they failed to remove one email address that does not belong to me : XXXX. 

This email address does not belong to me, and LexisNexis has failed to provide documentation proving that this email address is accurate, verified, or lawfully associated with my identity. 

LexisNexis has engaged in the following violations of consumer protection laws : Failure to verify email addresses from a legally compliant source. 
Continuing to report unverifiable email addresses despite prior disputes. 
Failure to provide a meaningful reinvestigation as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. CXXXX XXXX ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. CXXXX XXXXXXXX - Timing of Payments ( 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 XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-18 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am writing you as a follow up to your claim that the following account ( s ) has been verified fair collections and outsourcing This is a request for a reinvestigation for accuracy and completeness. Please provide the details on your method of verification used to verify the above account ( s ) within 15 days of the completion of your reinvestigations in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ] which states Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In addition to the above, please be sure to include the contact information for each person that actually verified the inaccurate account ( s ) by providing their name, phone number and address. I will be reaching out to each person to question their method of verification. Please also include a copy of any documents that bear my wet signature and the amount owed on a contractual agreement. Please be advised that I am making a final attempt to request your method of verification. Be advised that automated means of verification like XXXX and XXXX are prohibited and will not be accepted. reinvestigation AND your Method of Verification. Should you continue to ignore my request or fail to resolve this matter you may be liable for willful noncompliance as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX  ). I may also be forced to file a case against you if you decide not to comply.

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 2025-03-18 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You did not XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately. 

15 U.S.C. XXXX is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal 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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Your Email ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : IMMEDIATE DEMAND FOR REMOVAL OF UNAUTHORIZED INQUIRY & CORRECTION OF PERSONAL INFORMATION To Whom It May Concern, I am demanding immediate action regarding the unauthorized inquiry on my ChexSystems report and the inaccurate personal information that is being negligently maintained in your system. This is unacceptable, and I expect immediate correction without delay.

1. REMOVE THE UNAUTHORIZED INQUIRY IMMEDIATELY Upon reviewing my ChexSystems report, I found an inquiry that I NEVER authorized : Inquirer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX Date of Inquiry : [ Insert Inquiry Date ] Under 15 U.S.C. 1681b, it is ILLEGAL for a company to access my consumer report without my explicit authorization. Since I never gave consent for this inquiry, I demand that it be removed immediately. If XXXX XXXX XXXX XXXX falsely claims otherwise, I am demanding written proof of my authorization. If you fail to remove this inquiry, you will be in direct violation of the Fair Credit Reporting Act ( FCRA ), and I will have no choice but to escalate this matter with legal action.

2. REMOVE ALL INCORRECT ADDRESSES IMMEDIATELY It is outrageous that my report contains outdated and incorrect addresses. These errors can cause unnecessary issues, and I will not tolerate them remaining on my file. The following addresses must be removed IMMEDIATELY as they are no longer associated with me : [ List outdated/incorrect addresses, including XXXX XXXX and any others you want removed ] My ONLY current and correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX failure to update my records will be viewed as willful negligence, and I will hold you accountable for any consequences that arise from this failure. 

FINAL WARNING You have no more than 30 days to comply with my demands as required by law. If you fail to act immediately, I will take further action, including legal proceedings and filing complaints with state and federal regulators. 

I expect written confirmation when these unauthorized and incorrect entries have been REMOVED. If I do not receive a timely response, consider this notice of intent to escalate.

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 2025-03-18 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: AZ

Complaint narrative:
I AM A VICTIM WHO HAS BEEN TRAUMATIZED BECAUSE OF MY SITUATION WITH XXXX XXXX. I I HAVE ATTACHED SUPPORTING DOCUMENTS TO SUPPORT MY FILE UNDER XXXX. PLEASE SEE ATTACHED TO REMOVE AND BLOCK FRAUDULENT ACCOUNTS.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a notification via credit monitoring that my unpaid principal balance increased by the total amount of my escrow shortage in XXXX. I have never in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and working at the XXXX, ever seen a escrow shortage rolled into a principal balance when a loan has not been modified or change. Bank of America continues to service my account incorrectly. Furthermore, I have paid XXXX towards the shortage and on XXXX when I called and logged into my account, I see that my monthly payment has been increased to XXXX, because they have not done a proper escrow analysis and applied to funds to the shortage. I am aware that XXXX of the shortage is due to two payments being disbursed to XXXX XXXX XXXX while I was transitioning from insurance company to the next. However BOA is in receipt of those funds. This is a mishandling of my payments and escrow under Reg Z and Reg X. I have not recently modified my loan nor have I missed any payments which would warrant such modification. BOA needs to perform my escrow analysis decreasing the shortage by XXXX and spread the remaining balance of XXXX over 20 months. They have negatively impacted my credit by reporting incorrect information, since when does an escrow shortage roll into a balance and before an escrow analysis is done which on their own letter the sent to me was to occur on XXXX ( that was the due date to remit the overpayment to XXXX ). This is a violation of FCRA and I demand that my account is updated with the CRA 's to reflect accurate information. I will also be contacting the States Attorney General to file a formal complaint.

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 2025-03-18 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:
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 explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief