vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: OH

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within XXXX  days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-26 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.The items were removed from My report and then readied to my report without my knowledge as well as equifax as no answer to why. Which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion investigated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  on my account they determine that it was fraudulent information and the information was to be deleted and it wasXXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/2025 I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/2025 now the information has been back on my report again for the third time as of XX/XX/2025 and they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the XXXX time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2025-04-26 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: TX

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within XXXX  days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
At the end of XX/XX/XXXX, United Wholesale Mortgage sent my Escrow money to a company called XXXX XXXX. My XXXX XXXX XXXX is with XXXX XXXX XXXX and I do not have any desire to change companies. So on XX/XX/XXXX I submitted a message to XXXX and have been trying to get my money back from loggerhead, so I can put it back in my escrow account, so that there will be funds available for my renewal on XXXX with my insurance company XXXX XXXX. 

On XX/XX/XXXX I sent a followup message to XXXX, they replied on XX/XX/XXXX asking for my XXXX Page, which I supplied them on XX/XX/XXXX. Basically, I have fought with them all month with them once again blantantly refusing to acknowledge that I am with XXXX and to continue to try to defend their unlawful actions! Please get them to do what is right!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 XXXX XXXX XXXX. 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 in XXXX OF XXXX to be removed. 

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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX BANK never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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 XXXX and It was never provided. 

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

Delete 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 2025-04-26 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 account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 XXXX XXXX XXXX. 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 in XXXX OF XXXX to be removed. 

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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX BANK never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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 XXXX and It was never provided. 

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

Delete 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Closed due to inactivity Balance : {$230.00} Past Due : {$63.00} Payment History : XXXX late payment reported in XX/XX/year> Comments : Account closed by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Installment Account ) Status : Paid, but marked as Collection/Chargeoff Balance : {$0.00} High Credit : {$320.00} Comments : Payment after charge off/collection ; account disputed by consumer ; account seriously past due and assigned to collection XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  Status : Derogatory ( TransUnion ) ; Paid XXXX XXXX XXXX Balance : {$180.00} ( TransUnion ) ; {$0.00} XXXX XXXX XXXX High Credit : {$170.00}

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 2025-04-26 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: TX

Complaint narrative:
My account with XXXXXXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. 

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 16
37 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX 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! 

Delete 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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Creditor Name # XXXX XXXX XXXX Account # XXXX I am disputing this late payment history as inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) Section 611. At no point have I received documentation proving the validity of this alleged delinquency, and to my knowledge, the record been reported is either, out dated incomplete or other wise inconsistent with my payment activity. 

I am requesting a full investigation of this account .Unless this payment can be verified with complete and accurate documentation, including timestamped internal logs or notice from the creditor this information must be removed immediately from my 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 non-monetary relief
Consumer complaint received 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion, XXXX XXXX  is reporting inaccurate information on my credit reports regarding XXXX XXXX XXXX ACCT XXXX XXXX I dispute the information and they made remarks that damaged my credit even more. The payment history is not consistent across all 3 credit agencies along with other inconsistencies and XXXX is known for reporting falsely and has had multiple lawsuits in the past. ( SEE ATTACHED COPY ) With that being said you guys have failed to do a proper investigation into the information you received from them according to 15 USC 1692g ( a ) I demand A PROPER INVESTIGATION WHICH SHOULD INCLUDE THE FOLLOWING : purchase agreement with my signature : procedure on how the info was verified with ( names address and person they spoke with : a complete itemized breakdown of the debt : documentation of the method that was used to verify the debt : A detailed explanation for the discrepancies in how this debt is reported with all 3 credit agencies this company is reporting this debt was wrote off and I didnt receive a 1099C form if possible I would like for them to send me a copy This inaccurate information has caused me emotional pain denial of credit higher interest rates and public humiliation because of wrong reporting according to 15 USC 1692c you have already violated my rights by unlawful communication and I demand this stuff to be deleted from all 3 credit agencies

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, XXXX, Experian is reporting inaccurate information on my credit reports regarding XXXX XXXX XXXX ACCT # XXXX I dispute the information and they made remarks that damaged my credit even more. The payment history is not consistent across all 3 credit agencies along with other inconsistencies and XXXX is known for reporting falsely and has had multiple lawsuits in the past. ( SEE ATTACHED COPY ) With that being said you guys have failed to do a proper investigation into the information you received from them according to 15 USC 1692g ( a ) I demand A PROPER INVESTIGATION WHICH SHOULD INCLUDE THE FOLLOWING : purchase agreement with my signature : procedure on how the info was verified with ( names address and person they spoke with : a complete itemized breakdown of the debt : documentation of the method that was used to verify the debt : A detailed explanation for the discrepancies in how this debt is reported with all 3 credit agencies this company is reporting this debt was wrote off and I didnt receive a 1099C form if possible I would like for them to send me a copy This inaccurate information has caused me emotional pain denial of credit higher interest rates and public humiliation because of wrong reporting according to 15 USC 1692c you have already violated my rights by unlawful communication and I demand this stuff to be deleted from all 3 credit agencies

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 2025-04-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, Equifax, XXXX  is reporting inaccurate information on my credit reports regarding XXXX XXXX XXXX ACCT # XXXX I dispute the information and they made remarks that damaged my credit even more. The payment history is not consistent across all 3 credit agencies along with other inconsistencies and XXXX is known for reporting falsely and has had multiple lawsuits in the past. ( SEE ATTACHED COPY ) With that being said you guys have failed to do a proper investigation into the information you received from them according to 15 USC 1692g ( a ) I demand A PROPER INVESTIGATION WHICH SHOULD INCLUDE THE FOLLOWING : purchase agreement with my signature : procedure on how the info was verified with ( names address and person they spoke with : a complete itemized breakdown of the debt : documentation of the method that was used to verify the debt : A detailed explanation for the discrepancies in how this debt is reported with all 3 credit agencies this company is reporting this debt was wrote off and I didnt receive a 1099C form if possible I would like for them to send me a copy This inaccurate information has caused me emotional pain denial of credit higher interest rates and public humiliation because of wrong reporting according to 15 USC 1692c you have already violated my rights by unlawful communication and I demand this stuff to be deleted from all 3 credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint to TRANSUNION regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters. 

XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX * * * * * * * * * * Balance Owed : {$370.00} Date Opened : XX/XX/XXXX XXXX  XXXX * * * * * * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Validation of Debt ( FDCPA 15 USC 1692g ) Dear XXXX. XXXX XXXX, This letter is in response to a collection account you have placed on my Experian credit report regarding an alleged debt from " XXXX '' ( Account ending in XXXX ). 

Under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request : Validation of the debt including a signed contract or agreement bearing my signature. 
Full accounting and explanation of the amount claimed ( {$200.00} ). 
The name and address of the original creditor. 
Documentation proving your agencys authorization to collect this debt in the State of Iowa.

Proof of chain of custody/ownership of the debt. 
Until you furnish this validation, you must cease all collection activity and not report or update this account on my credit report. 

Please provide all requested documentation within 30 days, sent to the address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation