vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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:
I am writing to formally dispute the inaccurate late payment records reported on my credit report. Pursuant to 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ), I previously disputed these erroneous late payment entries with your bureau. However, you have failed to correct them, violating my rights as a consumer. Additionally, under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within XXXX days and ensure the accuracy of the reported data. Your failure to resolve this matter within the required timeframe constitutes non-compliance with federal law. 

Disputed Billing Errors : XXXX XXXX XXXX XXXXXXXX Reported late payments : XXXX times XXXX  days, XXXX times XXXX days, XXXX times XXXX days late Error : Payments were made on time, and late fees were assessed incorrectly. 

XXXX XXXX Reported late payments : XXXX times XXXX  days, XXXX times XXXX days late ( XXXX )/ XXXX times XXXX days, XXXX times XXXX days late ( XXXX XXXX TransUnion ) Error : Account was in dispute, and no late payment should have been reported under 15 U.S.C. 1666a. 

XXXX XXXX XXXX Reported late payments : XXXX times XXXX days, XXXX time XXXX days late ( XXXX, XXXX, TransUnion ) Error : The creditor failed to provide proper billing statements before marking the account late. 

XXXX XXXX, XXXX Reported late payment : XXXX time XXXX days late ( XXXX XXXX TransUnion ) Error : Late payment reported in error, despite account closure and compliance with payment terms. 



Under 15 U.S.C. 1666b, a creditor can not report delinquency for amounts in dispute, and they must correct any billing errors after proper notice. The law states : A creditor ( A ) may not report to a credit reporting agency that an amount or account is delinquent because the amount due is in dispute, unless the creditor has complied with the requirements of this section and the billing error has been resolved. ( B ) If a creditor fails to comply with the requirements, the disputed amount shall be treated as a billing error and must be corrected immediately.

Furthermore, 15 U.S.C. 1681i ( FCRA ) requires credit bureaus to conduct a proper reinvestigation of disputed information within XXXX days. Since you failed to investigate or correct these errors within the legally mandated timeframe, I am requesting the immediate removal of all inaccurate late payments and derogatory marks 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 non-monetary relief
Consumer complaint received 2025-03-19 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:
I am writing to formally dispute the inaccurate late payment records reported on my credit report. Pursuant to 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ), I previously disputed these erroneous late payment entries with your bureau. However, you have failed to correct them, violating my rights as a consumer. Additionally, under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within XXXX days and ensure the accuracy of the reported data. Your failure to resolve this matter within the required timeframe constitutes non-compliance with federal law. 

Disputed Billing Errors : XXXXXXXX XXXX XXXX  XXXX Reported late payments : XXXX times XXXX days, XXXX times XXXX days, XXXX times XXXX days late Error : Payments were made on time, and late fees were assessed incorrectly. 

XXXX XXXX Reported late payments : XXXX times XXXX days, XXXX times XXXX days late ( XXXX )/ XXXX times XXXX days, XXXX times XXXX days late ( Equifax XXXX XXXX ) Error : Account was in dispute, and no late payment should have been reported under XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX late payments : XXXX times XXXX days, XXXX time XXXX days late ( XXXX, Equifax, XXXX ) Error : The creditor failed to provide proper billing statements before marking the account late. 

XXXX XXXX, XXXX Reported late payment : XXXX time XXXX days late ( Equifax XXXX XXXX ) Error : Late payment reported in error, despite account closure and compliance with payment terms. 



Under 15 U.S.C. 1666b, a creditor can not report delinquency for amounts in dispute, and they must correct any billing errors after proper notice. The law states : A creditor ( A ) may not report to a credit reporting agency that an amount or account is delinquent because the amount due is in dispute, unless the creditor has complied with the requirements of this section and the billing error has been resolved. ( B ) If a creditor fails to comply with the requirements, the disputed amount shall be treated as a billing error and must be corrected immediately.

Furthermore, 15 U.S.C. 1681i ( FCRA ) requires credit bureaus to conduct a proper reinvestigation of disputed information within XXXX days. Since you failed to investigate or correct these errors within the legally mandated timeframe, I am requesting the immediate removal of all inaccurate late payments and derogatory marks from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: SC

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED
BELOW WHICH STILL APPEARS ON MY CREDIT
REPORT, EVEN AFTER  INVESTIGATION COMPLETED.
I WOULD LIKE THIS ITEM IMMEDIATELY REINVESTIGATED. THE INACCURACIES ARE HIGHLY
INJURIOUS TO MY CREDIT SCORE
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING
ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611,
PLEASE PROVIDE THE NAMES AND BUSINESS
ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU
VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP.
PLEASE SEND ME AN UPDATED COPY OF MY CREDIT
REPORT AFTER YOUR
REINVESTIGATION.
ALSO THIS ACCOUNT IS NO VALIDADTED.

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 2025-03-19 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:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED
BELOW WHICH STILL APPEARS ON MY CREDIT
REPORT, EVEN AFTER  INVESTIGATION COMPLETED.
I WOULD LIKE THIS ITEM IMMEDIATELY REINVESTIGATED. THE INACCURACIES ARE HIGHLY
INJURIOUS TO MY CREDIT SCORE
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING
ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611,
PLEASE PROVIDE THE NAMES AND BUSINESS
ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU
VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP.
PLEASE SEND ME AN UPDATED COPY OF MY CREDIT
REPORT AFTER YOUR
REINVESTIGATION.
ALSO THIS ACCOUNT IS NO VALIDADTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-03-19 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: FL

Complaint narrative:
My mortgage for my new home was purchased by a mortgage company called XXXX from XXXX XXXX, then XXXX sold it to XXXX XXXX. Both the accounts for XXXX and XXXX are showing still outstanding as well as late payments. When I try to work with the three credit bureaus, they are not helpful.

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 2025-03-19 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: PA

Complaint narrative:
This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this issue, I am requesting a thorough review of the documents I have submitted so that I no longer have to worry about this problem.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
Dear XXXX, I am writing to formally request validation of an item listed on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is : I recently reviewed my credit report and noticed this account, which I do not recognize or have reason to believe is inaccurate. Under the FCRA, I have the right to request verification of this debt, including proof that I am legally responsible for it. 

I kindly request that you provide me with the following information : Documentation verifying that I am the rightful debtor of this account. 

A copy of any signed agreement or contract associated with this debt. 

Detailed information on how this debt was calculated. 

The original creditors name, address, and any relevant account details. 

Proof that XXXX has verified this account with the creditor. 

If you are unable to provide proper validation of this debt within the legally required timeframe, I request that this item be removed from my credit report immediately. 

Please consider this letter as a formal dispute under the Fair Credit Reporting Act. I request that all future correspondence be in writing. If the requested validation is not received, I will have no choice but to pursue further action to ensure my consumer rights are upheld. 

Thank you for your prompt attention to this matter. Please send your response to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I transferred money from a credit card to Bank of America 's XXXX % APR for XXXX months. I transferred about {$7800.00} to the card. I setup auto pay online with my bank account on their Bank of America online credit card account. Everything was setup to pull {$100.00} to the minimum payment of {$79.00}. The due date was XX/XX/year> and the auto pay should have been pulling the money from my account automatically. However, I received alerts from credit bureaus that I am over my account amount. I checked my account today XX/XX/year> and I owe {$180.00} with a {$29.00} fee onto that bill. 

I setup autopay, which was on, and XXXX setup the amount to about {$100.00}, it should have taken the {$100.00} dollars with no issue. In this case they charged me and the {$100.00} amount was never drawn from my bank account making pay a fee of {$29.00} dollars in the process. When I called them regarding the issue they sent me to a general support and claimed they person can not do anything with my account. They claimed to have called the Online Banking/Mobile Department but they were closed. The support decided I should call the next day, even though that departments open hours are from XXXX XXXXXXXX EST time. So, even if I called during their normal working hours they still were not available. I asked about giving my a case ticket, and this support could not even give me that. Only a phone number and time available, which they should be available and not closed.

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 monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bought a XXXX XXXX XXXX. I am told that Chase was aware that XXXX was not going to be able to remain solvent, yet Chase and XXXX still went through with the sale of the vehicle including providing false information about the future solvency of XXXX. Now we have been given a buyout offer that is way less than the loan and people with other XXXX vehicles, lesser models, are getting higher offers for their vehicles with less features than mine. They also were very unclear as to when I could expect delivery of the vehicle which forced me to sell my old car last minute at a lower price as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within XXXX days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
Experian has not investigated these fraudulent accounts on my credit report accurately. They have not done a complete and thorough investigation nor have they provided documentation proving these accounts to be valid. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The Experian reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ACCOUNT1 : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT 2 : XXXX XXXX XXXX ACCOUNT # XXXX These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my XXXX consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a complaint regarding an erroneous collection on my credit report. The debt is from a previous apartment complex where I lived and moved out on XX/XX/year>. During my communication with the former apartment manager, I was told that I could leave without penalties or fees. However, after moving out, I was charged multiple fees and those charges were sent to collections.

l attempted to reach the former manager multiple times, but he left his position XXXX weeks after I moved out. I have email documentation showing the promises made to me regarding the charges, but despite my efforts to resolve the issue, the collection remains on my credit report. 
I have disputed the debt with Experian as well as XXXX XXXX, but the charges remain. I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter and help me have the debt removed from my credit report, as I believe these charges are inaccurate and unfair. 

Requested Resolution : Removal of the collection from my credit report. 
Investigation of the charges and the communication I had with the previous apartment complex. 
I believe this debt is inaccurate and should be removed from my credit report due to the circumstances described. I would appreciate any support or guidance the CFPB can offer in removing this item from my credit report. 
Investigate the validity of these charges

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