vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I am writing to formally dispute discrepancies found in my credit profile maintained by TransUnion and Experian. The inconsistencies pertain specifically to the XXXX account XXXX which is inaccurately reported across these XXXX credit bureaus. 

Upon review, it is evident that the account in question is marked as Paid as Agreed, yet it simultaneously indicates late payment entries. This conflicting information not only misrepresents my financial reliability but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that all consumer reporting agencies ensure the accuracy and integrity of the information they disseminate. 

Additionally, it is important to note that neither of the other major credit bureaus report this account as being late or even list the account at all. This further underscores the inconsistency and raises questions about the reporting standards upheld by TransUnion and Experian. 

Consumer law stipulates that inaccuracies that can affect a consumer 's creditworthiness must be removed within XXXX business days. In this instance, the conflicting reports from TransUnion and Experian regarding my account present a serious concern, particularly in light of the potential damage to his credit score, borrowing opportunities, and overall financial well-being. 

Attached to this statement are the proof documents which further substantiate my claim of these inaccuracies. I respectfully request that the CFPB investigate this matter and urge the reporting bureaus to correct and delete the inconsistent information from their records without delay. 

Thank you for your attention to this critical matter.

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 2025-05-02 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: NV

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX, DEPT OF EDUCATION/NELN acct XXXX XXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-05-02 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: NV

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX, DEPT OF EDUCATION/NELN acct XXXX XXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XX/XX/XXXXDATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 explanation
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
The company, LoanDepot, charged me a late fee of {$67.00}. I have never been late, not even once, not even close. But, due to the company 's unprofessional and incompetent servicing department, almost all of the customer 's payments were late. The servicing department received the payment envelopes, but did not open and process them until after the late payment grace period. We all believe that this was intentional so that they could charge thousands of customers late payment fees, and make XXXX ( if not millions ) of dollars just by delaying the payment processing. 

Again, we ( like many others ) have never been late, not even once, not even close!! 

We asked the company ( LoanDepot ) to provide a copy of the mailing envelope to show that the postdate was late, but they refuse to provide any information. 

We know that all of this occurred with thousands of borrowers payments, because the company ( LoanDepot ) has since changed servicing processors because of this issue. 

I not only want this late fee removed, but would like to see LoanDepot investigated for this illegal, fraudulent activity!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: KY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX and XXXX BANK were opened under my name without my consent. XXXX XXXX opened XX/XX/XXXX reporting a balance of {$1300.00}. XX/XX/XXXXXXXX opened XX/XX/XXXX reporting a balance of {$200.00}. XXXX XX/XX/XXXX opened XXXX XXXX reporting a balance of {$10000.00} on all 3 bureaus. The address that's associated with the accounts is not linked with me but is still showing on my credit report like if it is. The address XXXX XXXXXX/XX/XXXX, XXXX, FL 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
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX and XXXX BANK were opened under my name without my consent. XXXX XXXX opened XX/XX/XXXX reporting a balance of {$1300.00}. XX/XX/XXXXXXXX opened XX/XX/XXXX reporting a balance of {$200.00}. XXXX XX/XX/XXXX opened XXXX XXXX reporting a balance of {$10000.00} on all 3 bureaus. The address that's associated with the accounts is not linked with me but is still showing on my credit report like if it is. The address XXXX XXXXXX/XX/XXXX, XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has wrongfully denied my disputed transaction claim with XXXX XXXX XXXX PA. There is an unauthorized charge for {$2500.00} ( claim XXXX XXXXXXXX ) and a claim for {$810.00} ( claim XXXX XXXX ) I disputed on XX/XX/XXXX. I was not physically present at the location of these transactions, nor did I approve or benefit from them. Despite reporting the issue promptly, Wells Fargo denied my claim without any valid explanation or supporting documentation & they never reached out to the merchant. I contacted them on XX/XX/year> & spoke with the claim specialist & they are refusing to return my money to me with absolutely no valid reason.

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 2025-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I sent SECU a Legal Notice and Demand with a fee schedule and requested full disclosure with XXXX documentation after theyve had me making unlawful payments to them for 25 years. I asked for reports on the credits to pay all bills in the most correct way. I asked them to check exit my account with my credits they were keeping from me. I asked for copies of all original promissory notes with cusip numbers and a full ledger log of all trades pertaining to my securities they stole. They kept harassing and threatening me to pay the money SECU loaned me and I explained it was illegal and unlawful for them to loan me anything but money. They got tired of me asking and closed all accounts. Ive been putting a lawsuit together cause it has cost me XXXX years of my life deprived of opportunity with access to my birthright credits. The blamed me for being trusted with the since I caught them in their lies. They closed my credit card account for nonpayment after refusing many negotiable instruments. They made fraudulent claims to the data collection credit bureaus injuring me from maintaining a positive credit score appearance as Im entitled regardless of the credit score. They profited from selling my information and withholding material facts thus unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 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: MD

Complaint narrative:
On XX/XX/XXXX, I submitted formal disputes with all three credit bureaus regarding a XXXX XXXX XXXX collection account. I attached a dispute letter, government-issued ID, and a utility bill showing my current address. Despite this, all three bureaus marked the account as verified without providing any documentation to support their verification. 

XXXX  reported the account as Closed on XX/XX/XXXX, but then reinserted it on XX/XX/XXXX, showing the status as XXXX XXXX XXXX They also falsely listed XXXX as the original creditor on XX/XX/XXXX, then changed it to XXXX XXXX XXXX XXXX on XX/XX/XXXX. The account is marked both Closed and XXXX Collections, which is misleading and contradictory. They reported a last payment date of XX/XX/XXXX. 

Equifax listed the account as Open and labeled it a Debt Buyer Account, yet left the Date of Last Activity blank. They marked the account as verified without ever supplying validation documents. 

XXXX updated the balance on XX/XX/XXXX, but the amount remained unchanged at {$1100.00} suggesting re-aging. They labeled the term as 1 Month and {$0.00} scheduled payments, which misrepresents the nature of the debt. All three bureaus acknowledged my dispute with language like Account information disputed by consumer, but no documents were ever provided. 

I specifically requested : A signed contract with my signature An itemized breakdown of the account Proof of ownership or assignment Proof of license to collect in XXXX  Any documentation used to verify the account None of this was provided. 

Violations Committed Include : FCRA 609 ( a ) ( 1 ) Failure to provide information used in verification FCRA 611 ( a ) ( 1 ) Failure to investigate and correct inaccurate or incomplete information FCRA 611 ( b ) Re-inserting previously deleted or closed information without notice FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) Failure to correct and update incomplete or inaccurate information FDCPA 807 ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt FDCPA 809 ( b ) Continued collection without proper validation after a dispute I am now preparing to file a civil complaint and pursue binding arbitration where applicable. I will seek full deletion of the account, statutory and actual damages, and all legal costs associated with the violations above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Update and remove inaccurate and old personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-05-02 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: VA

Complaint narrative:
Under 15 USC 1681c-2 ( a ), any accounts that are found to be opened or accessed as a result of a data breach must be blocked within four ( 4 ) business days of the dispute being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Recovery Services, LLC
State: MS

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 5 ) and 15 U.S.C. 1681c-2. I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below. XXXX XXXX XXXX. There isn't an account number to enclose due to the account number not showing on my report. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account as soon as possible. Failure to comply will result in legal action for damages under 15 U.S.C. 1681n and 1681o.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
I am filing this formal complaint against Equifax and Experian for willfully and negligently reporting a fraudulent collection account from XXXX XXXX XXXX XXXX that does not belong to me. This account is being falsely associated with my credit profile, despite the fact that the Social Security number connected to the account does not match mine. I have never resided at the associated rental property, have no knowledge of this debt, and no contractual relationship with XXXX XXXX XXXX XXXX whatsoever. 

This is not only an egregious reporting error it is a direct violation of multiple federal consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Reporting an account tied to a Social Security number that is not mine is a clear violation of this statute.

1681i ( a ) Entitles consumers to a timely reinvestigation of disputed information. I demand that this item be immediately and permanently removed, as it is inaccurate and unverifiable. 
XXXX ( b ) Furnishers of information ( such as XXXX XXXX XXXXXXXX XXXX XXXX are required to investigate disputes and correct inaccuracies. Continuing to report this account after notification constitutes willful noncompliance.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. 
If XXXX XXXX XXXX XXXX has attempted to collect on this debt or report it knowing it is tied to the wrong person, this could constitute false representation of a debt, a violation of 1692e ( 2 ) ( A ) and 1692e ( 8 ) communicating false credit information, including failing to communicate that a debt is disputed. 
3. Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5531 The continued reporting of this false account may amount to an unfair, deceptive, or abusive act or practice ( UDAAP ) under this statute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. After reviewing my credit file from Equifax, and TransUnion, I noticed the following hard inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are impacting my credit profile and were not initiated by me or with my consent. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be placed on a consumers credit file with their explicit permission, generally in connection with a credit application. Since I did not apply for credit with these institutions, I am requesting that these inquiries be investigated and removed. 

I have already contacted the credit bureaus to file a dispute, and I am now requesting your assistance in ensuring that my rights are upheld under the FCRA. 

Please find the following documents enclosed for your review : A copy of my government-issued ID A copy of my credit report highlighting the disputed inquiries I respectfully request a thorough investigation and a written response outlining the outcome of your review. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief