vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumers financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ceased and Desist for accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter serves as a formal notice regarding the inaccurate reporting of the above-referenced account on my credit report. It has come to my attention that this account has been reported as a charge-off, yet it continues to reflect a balance. This inconsistency violates my rights under federal consumer laws, specifically the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692.

According to the FCRA, only accurate, complete, and verifiable information may be reported on a consumers credit file. Reporting this account as a charge-off while simultaneously listing a balance is both misleading and damaging to my credit score. Furthermore, this may constitute an unfair and deceptive practice, as a charge-off is considered a loss to the creditor and should not be simultaneously reported as outstanding debt.

Additionally, I have never received a 1099-C form to account for this debt as income, which raises further concerns about the legal and procedural handling of this account. If the debt has been charged off and forgiven, as reported, it can not legally remain as a balance affecting my credit report. Income from charge-offs is not to be reported on my credit file, as it misrepresents my financial obligations.

I demand the following actions be taken immediately : Reinvestigate and correct the reporting of this account to reflect accurate and lawful information.

Provide all documentation and verification, including original account agreements, statements, and correspondence, demonstrating the validity of the balance and charge-off status.

Explain why a balance is still reported if the account is noted as a charge-off.

Permanently delete this account from my credit report if the information can not be fully verified or corrected.

Please treat this letter as a formal request under 15 USC 1692c, the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable federal laws. Continued inaccurate reporting and failure to address these concerns will be considered a violation of my consumer rights, and I will pursue all necessary legal remedies.

I expect your agency to resolve this matter and provide me with written confirmation of your findings and actions within receipt of this letter.

Thank you for your immediate attention to this matter. Should you have any questions or require further details, I am reachable at the contact information provided below.

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 2025-01-25 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:
15 U.S. Code 1681 ( i ) - failing to conduct thorough investigations 15 U.S. Code 1681 ( i ) - if XXXX ignored previous evidence that you sent for your dispute! 
15 U.S. Code 16810 ) - if XXXX reinserted previous information on your credit report! 

15 U.S. Code 1681 ( i ) - XXXX failing to investigate a previous dispute within 30 days. 
15 U.S. Code 1681 ( i ) - XXXX failing to review all relevant documents that you sent with your disputes as evidence 15 U.S. Code 1681 ( i ) - XXXX not properly conducting investigations and removing inaccurate or incomplete items

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 2025-01-24 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: TX

Complaint narrative:
I went thru XXXX credit bureau to dispute the information it came back updated days later when the info still incorrect. I uploaded and highlight todays recording of the payment history and 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 2025-01-24 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: TX

Complaint narrative:
I went thru Experian credit bureau to dispute the information it came back updated days later when the info still incorrect. I uploaded and highlight todays recording of the payment history and 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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As I was going over my profile there were some inquiries listed that did not belong 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 2025-01-24 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: MI

Complaint narrative:
My report was given to a company without any knowledge by 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several items disputed across all three credit bureaus that were not deleted and also werent given any proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont understand why. I regularly monitor my report, but this time, I spotted errors that appeared out of nowhere. I attempted to refresh my browser, thinking it might be a glitch, but the mistakes persisted. As a result, I am requesting a thorough review of the documents I've submitted to ensure that I wont have to worry about this again.

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 2025-01-24 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: MA

Complaint narrative:
XXXX informed me that my private student loan was in default and in XX/XX/XXXX I agreed to pay the amount they requested to settle the account. Their exact email said Once all payments have been made per the terms of the settlement agreement, any remaining balance will be forgiven, and the status will be reported as " paid in full for less than the full balance '' to the consumer reporting agencies. They accepted a payment of {$6000.00} on XX/XX/XXXX and never mailed or sent me any physical documentation. When they transferred all accounts to XXXX, they ( XXXX ) reported my settled account as delinquent/charged off and have been negatively reporting every month since. I never had an official loan agreement with XXXX the loan I took out and agreed on was with XXXX XXXX XXXX There is no way to get into my XXXX account to verify any loan documents and there is no way of contacting them, yet they continuously report negatively to the credit bureaus. They went against their own settlement terms and are now falsely reporting and every time I dispute to XXXX in particular, the information just gets incorrectly edited and not removed or adjusted. All reporting should have stopped as of XX/XX/XXXX or at least switched to positive or current. This has significantly impacted my financial and mental wellbeing and is unacceptable from a company that is no longer allowed to service loans.

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 2025-01-24 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: MA

Complaint narrative:
XXXX informed me that my private student loan was in default and in XX/XX/XXXX I agreed to pay the amount they requested to settle the account. Their exact email said Once all payments have been made per the terms of the settlement agreement, any remaining balance will be forgiven, and the status will be reported as " paid in full for less than the full balance '' to the consumer reporting agencies. They accepted a payment of {$6000.00} on XX/XX/XXXX and never mailed or sent me any physical documentation. When they transferred all accounts to XXXX, they ( XXXX ) reported my settled account as delinquent/charged off and have been negatively reporting every month since. I never had an official loan agreement with XXXX the loan I took out and agreed on was with XXXX XXXX XXXX There is no way to get into my XXXX account to verify any loan documents and there is no way of contacting them, yet they continuously report negatively to the credit bureaus. They went against their own settlement terms and are now falsely reporting and every time I dispute to XXXX in particular, the information just gets incorrectly edited and not removed or adjusted. All reporting should have stopped as of XX/XX/XXXX or at least switched to positive or current. This has significantly impacted my financial and mental wellbeing and is unacceptable from a company that is no longer allowed to service loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MA

Complaint narrative:
XXXX informed me that my private student loan was in default and in XX/XX/XXXX I agreed to pay the amount they requested to settle the account. Their exact email said Once all payments have been made per the terms of the settlement agreement, any remaining balance will be forgiven, and the status will be reported as " paid in full for less than the full balance '' to the consumer reporting agencies. They accepted a payment of {$6000.00} on XX/XX/XXXX and never mailed or sent me any physical documentation. When they transferred all accounts to XXXX, they ( XXXX ) reported my settled account as delinquent/charged off and have been negatively reporting every month since. I never had an official loan agreement with XXXX the loan I took out and agreed on was with XXXX XXXX XXXX There is no way to get into my XXXX account to verify any loan documents and there is no way of contacting them, yet they continuously report negatively to the credit bureaus. They went against their own settlement terms and are now falsely reporting and every time I dispute to Experian in particular, the information just gets incorrectly edited and not removed or adjusted. All reporting should have stopped as of XX/XX/XXXX or at least switched to positive or current. This has significantly impacted my financial and mental wellbeing and is unacceptable from a company that is no longer allowed to service loans.

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 2025-01-25 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: GA

Complaint narrative:
My account with EXPERIAN 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. 


EXPERIAN 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX for failing to conduct reasonable investigations of disputes I submitted regarding inaccuracies in my credit report. Despite providing documentation to support my claims, XXXX consistently responds within 24 hours, asserting the account 's accuracy without presenting any evidence of a thorough investigation.

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's recent administrative proceeding against them ( File No. 2025-CFPB-0002 ) for similar violations. 

I request that the Consumer Financial Protection Bureau take immediate action to ensure XXXX complies with federal law and provides consumers with clear evidence of proper investigations into credit report disputes. 

Thank you for your attention to this matter. 

I would like the following names, addresses, accounts, and inquiries removed : I would like the following names, addresses, accounts, and inquiries removed :

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 2025-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank advertise {$5000.00} if I made an offer and the seller agreed that we will close in XXXX days the seller agreed we did not close until XXXX months and a half later and I never received a check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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