vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
There were unauthorized inquiries on XXXX, Trans Union and XXXX. XXXX XXXX dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX dates are XX/XX/XXXX XXXX XXXX on the same day. XXXX XXXX dates are XX/XX/XXXX, XXXX XXXX XXXX dates are XX/XX/XXXX 2023

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-08 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: TX

Complaint narrative:
I sent a dispute to Experian on XX/XX/year> and they responded it was accurate. 
I sent a second dispute to Experian on XX/XX/year> asking for the steps that were taken to verify the information was accurate and the response received was just a template saying the information came back verified. 
I sent a third notice of default in XXXX again asking for the steps taken to verify the information being reported was accurate. They sent another template response saying it was verified. 

I know there has been a lawsuit filed by CFPB alleging sham investigations of consumer 's disputes. This is exactly what happened 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 2025-01-08 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing with a heavy XXXX to dispute the inaccurate information being reported on my credit report. The following items are wrong and are deeply affecting my XXXX XXXX, making an already difficult situation even worse : Account Name : XXXX XXXX - XXXXXXXX XXXX Account Number : XXXX Balance : {$6800.00} Reason : This account is wrongly being marked as charged off with an outstanding balance. I kindly ask that you provide proof of the charge off and update the balance to {$0.00}, or remove the negative payment status altogether. I am deeply disappointed by the outcome of your investigation. Please send me the proof of your findings, along with evidence of the negative payment status, or else remove this damaging information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect 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 explanation
Consumer complaint received 2025-01-08 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: CO

Complaint narrative:
I am writing with a heavy heart to dispute the inaccurate information being reported on my credit report. The following items are wrong and are deeply affecting my credit score, making an already difficult situation even worse : Account Name : XXXX XXXX - XXXX XXXX Account Number : XXXX Balance : {$6800.00} Reason : This account is wrongly being marked as charged off with an outstanding balance. I kindly ask that you provide proof of the charge off and update the balance to {$0.00}, or remove the negative payment status altogether. I am deeply disappointed by the outcome of your investigation. Please send me the proof of your findings, along with evidence of the negative payment status, or else remove this damaging information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect 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 2025-01-08 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: FL

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 USC 1666b, any billing mistake should be fixed and marked as paid on time. 

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

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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
MY ACCOUNT IS CLOSED FROM XXXX, AND I HAVE NOT YET RECEIVED THE DEPOSIT OF THE MONEY THAT IS IN MY SHOPIFY ACCOUNT, THE ACCOUNT BALANCE IS BLOCKED., I DO NOT WANT TO SELL USE THE BALANCE ACCOUNT, SEND A CHECK TO THE MAILING ADDRESS [ XXXX LA XXXX XXXX XXXX APT XXXX, XXXX FLORIDA XXXX ] Payout # XXXX - XX/XX/year> Charges {$9500.00} Total {$9500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MS

Complaint narrative:
This loan does not belong to me. This loan was initially placed. on my report with incorrect/inaccurate information. When asked for verification, it was updated show a balance. Please remove this from my credit report.

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 2025-01-08 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: MS

Complaint narrative:
This loan does not belong to me. This loan was initially placed. on my report with incorrect/inaccurate information. When asked for verification, it was updated show a balance. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MS

Complaint narrative:
This loan does not belong to me. This loan was initially placed. on my report with incorrect/inaccurate information. When asked for verification, it was updated show a balance. Please remove this from my credit report.

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 2025-01-08 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: NJ

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX ) Regarding case XXXX and case XXXX I provided the response to discover indicating I do not recognize this charge ( please see attachment from the company where none of those are my initials ) Please remove charge and sent back to company as it is not my initials. I dont recognize the charge. 

XXXX ) Regarding case XXXX I do not recognize this charge either. 
Please remove and send back to the company. 

XXXX ) regarding case XXXX Discover requested me to provide contract where it shows the amount to the charged, contract was provided as the attachment shows. Please remove the charge as what I was requested showing the correct amount was provided and it is what discover requested from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
Please remove from my credit report across all bureaus. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, PA XXXX Pursuant to FCRA 605B, 18 USC 8 this company is violating my consumer right to privacy pursuant to 15 USC 1681B2, 15 U.S. Code 1692c has no permission to report any info pursuant to 15 USC 1681 4. 

I did not sign any agreementeither physically or electronicallywith my wet signature that obligates me to this alleged debt. 
To the best of my knowledge, no valid contract exists between me and the creditor/debt collector for the stated amount or any debt. 
I have requested verification and validation of this debt from the debt collector, including documentation of any signed agreement. As of this date, no such proof has been provided. Please remove form my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove from my credit report across all bureaus. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, PA XXXX Pursuant to FCRA 605B, 18 USC 8 this company is violating my consumer right to privacy pursuant to 15 USC 1681B2, 15 U.S. Code 1692c has no permission to report any info pursuant to 15 USC 1681 4. 

I did not sign any agreementeither physically or electronicallywith my wet signature that obligates me to this alleged debt. 
To the best of my knowledge, no valid contract exists between me and the creditor/debt collector for the stated amount or any debt. 
I have requested verification and validation of this debt from the debt collector, including documentation of any signed agreement. As of this date, no such proof has been provided. Please remove form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. 

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. 

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Equifax. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report. 

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity. 

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Equifax will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information. 

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Better Mortgage, Inc.
State: SC

Complaint narrative:
I was given a pre-approval letter that pre approved me for a {$390000.00} home. This pre-approval letter was good for a year. The mortgage company agent after a week or two claimed that she wanted to pull my credit scores again after I signed the real estate contract with the realtor and told the realtor that if she can not see my scores then she will deny the pre-approval. How did she get my credit scores the first time in order to give me my pre-approval letter? I had my credit file locked so that no one could hack my credit file as this has happened before and I had to hire a credit attorney. My realtor represents me as the buyer and also the seller at the same time. I talked to two other mortgage companies and they said that there was no way she could give me this pre-approval letter without pulling my credit file in the beginning. I also talked to an attorney and he said that this is definitely fraud.

Company response to consumer: Closed with explanation