vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent Transunion documentation letting them know that I was a victim of trafficking and needed items removed from my credit report. On XX/XX/XXXX, I followed up with Transunion and the representative took my information and put the disputes in their database to be removed. On XX/XX/XXXX, I followed up with transunion and was told they have the disputes in their database and then the representative disconnected the call.

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 2025-02-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax failed to conduct adequate investigations of disputed information in credit reports. 


I disputed a bankruptcy with XXXX XXXX, it came back unverifiable and XXXX XXXX removed it from my consumer profile. They reached out to Equifax, to remove the bankruptcy, yet it is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP
State: PA

Complaint narrative:
Loan estimate and promised cash to close and mortgage amount was suddenly changed two days before my closing date of XX/XX/year>. From the beginning, I grew concern about his integrity and even after expressing it to him, XXXX XXXX repeatedly lied to me to retain my business. On XX/XX/year>, I Attempted to contact XXXX regarding clarification and communication and was blocked from any contact. He had me provide personal information and He also had me open up a bank account and told me I would get {$1000.00} off at closing which was not true. I have no information on closing on my home and will be homeless with my family behind this.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts 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 to be removed/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. 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!

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 2025-02-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to settle any misunderstandings with my account in a timely manner. Im writing because in my recent credit report there are XXXX late payments which are inaccurate. I have provided the documentation to showcase the errors. These errors need to be addressed immediately otherwise I will file a complaint. I have reached out several times and nothing has been addressed. Late payments for the date below are in accurate XX/XX/2024 I had an extension for XXXX and XXXX and have provided that information. Please report to all credit bureaus with the correct information immediately. 
XXXX and XXXX of XXXX I was also not more than XXXX days late. There were XXXX checks that were sent to me and cancelled and applied to my account. This took weeks to correct with a handful of calls. PLEASE take the time to review and fix these mistakes immediately. 

XX/XX/2024 Again, I had an extension!!!! please correct immediately Please carefully look at my account, yes XXXX was a tough year for me and I was late several times but never long enough to be reported to all credit bureaus. I am planning to purchase a home, and these incorrect missed payments are hurting the chances of that. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I want to settle any misunderstandings with my account in a timely manner. Im writing because in my recent credit report there are XXXX late payments which are inaccurate. I have provided the documentation to showcase the errors. These errors need to be addressed immediately otherwise I will file a complaint. I have reached out several times and nothing has been addressed. Late payments for the date below are in accurate XX/XX/year> I had an extension for XXXX and XXXX and have provided that information. Please report to all credit bureaus with the correct information immediately. 
XXXX and XXXX of XXXX I was also not more than XXXX days late. There were XXXX checks that were sent to me and cancelled and applied to my account. This took weeks to correct with a handful of calls. PLEASE take the time to review and fix these mistakes immediately. 

XX/XX/year> Again, I had an extension!!!! please correct immediately Please carefully look at my account, yes XXXX was a tough year for me and I was late several times but never long enough to be reported to all credit bureaus. I am planning to purchase a home, and these incorrect missed payments are hurting the chances of that. 

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 non-monetary relief
Consumer complaint received 2025-02-19 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: WA

Complaint narrative:
I want to settle any misunderstandings with my account in a timely manner. Im writing because in my recent credit report there are XXXX late payments which are inaccurate. I have provided the documentation to showcase the errors. These errors need to be addressed immediately otherwise I will file a complaint. I have reached out several times and nothing has been addressed. Late payments for the date below are in accurate XX/XX/year> I had an extension for XXXX and XXXX and have provided that information. Please report to all credit bureaus with the correct information immediately. 
XXXX and XXXX of XXXX I was also not more than XXXX days late. There were XXXX checks that were sent to me and cancelled and applied to my account. This took weeks to correct with a handful of calls. PLEASE take the time to review and fix these mistakes immediately. 

XX/XX/year> Again, I had an extension!!!! please correct immediately Please carefully look at my account, yes XXXX was a tough year for me and I was late several times but never long enough to be reported to all credit bureaus. I am planning to purchase a home, and these incorrect missed payments are hurting the chances of that. 

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had an XXXX debit card with Bank of America. I signed into the account very infrequently. On my last sign in, I realized that they had charged over XXXX in fees. I asked them to close the account because it had a XXXX balance. They did close the account, but I was still able to sign into my account on the website. I asked Bank of America to remove the online account altogether and they said it would be deleted after XXXX years. This means that my personal information would be exposed in the event of a security breach at Bank of America. I try to only keep accounts open that I am using regularly, in order to avoid exposure.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-19 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate accounts on my credit report, which I believe resulted from identity theft and errors in your credit reporting process. These issues align with the violations detailed in the CFPBs lawsuit against XXXX, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. The following accounts are inaccurate or fraudulent and must be removed from my credit report : XXXX XXXX XXXX. ACCOUNT # XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX. ACCOUNT # XXXX, Opened XX/XX/XXXX. XXXX XXXX XXXX XXXX. ACCOUNT # XXXX, Opened XX/XX/XXXX. These accounts violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) due to : 1. Failure to Conduct Proper Investigations : Transunion failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. 2. Reinsertion of Inaccurate Information : Some of these accounts were previously removed but reappeared without proper notification or validation, violating FCRA procedures. XXXX. Failure to Notify and Provide Results : Dispute resolution notifications have been vague, inconsistent, and inadequate. I demand the immediate removal of these accounts and request : Fcra 605B ( 15 USC 1681c-2 ) 1. A full investigation report for each disputed account, including verification methods and furnisher contact information. 2. Written confirmation of permanent removal of these accounts. 3. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. 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
Consumer complaint received 2025-02-19 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 writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Below are the details of the disputed account : Name of Account and Account Number : XXXX - : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 explanation
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
am filing this formal complaint regarding Experian and Equifaxs failure to comply with federal laws that protect XXXX XXXX XXXX XXXX in credit reporting disputes. Despite providing both credit bureaus with the necessary documentation confirming my identity and my status as a XXXX XXXX XXXX, my dispute has been ongoing for over a month, and my requests continue to be denied without valid justification. 

In addition to their failure to act, I have identified that some of the accounts in question contain inaccurate or conflicting information that does not match my identity. These discrepancies further prove that these accounts should not be associated with me. I have already uploaded documentation reflecting my correct information, yet Experian and Equifax continue to disregard the evidence I have provided. 

Under the XXXX XXXX XXXX XXXX ( DBRA ) [ 15 U.S.C. 1681c-3 ], consumer reporting agencies are legally required to remove adverse credit information resulting from XXXX XXXX once proper documentation has been submitted. Additionally, the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ] mandates that credit bureaus investigate disputes and resolve them within 30 days. Their continued failure to act is a clear violation of both federal laws. 

Given the above, Experian and Equifax are in direct noncompliance, and I am requesting immediate intervention by the CFPB to ensure that they : Immediately remove all negative items resulting from XXXX XXXX within 7 days of receiving this complaint. 
Correct or remove any accounts that do not accurately reflect my personal information. 
Cease further denials of my valid documentation and comply with the DBRA and FCRA. 
Provide written confirmation of the removal of these collections from my credit report. 
Experian and Equifaxs failure to process my dispute properly has placed undue hardship on me and has prolonged my XXXX. I urge the CFPB to take swift action to enforce my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
This complaint is about Ford Credit XXXX  XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX In the last 30 days I ended up in the hospital. I call ford to work payment plan. I said I would give half the money now and the next half when I get paid. They came overnight and repo my car, after they agreed with a payment plan. I have XXXX and my wife does to. I was willing to pay to get my car back and ford said no. My wife and I both work and had no means of getting to work. We live in the area that there is no public transportation. On top my wife is undergoing medical treatment. For severe case. We have no means of getting two or from any doctors. I need. 
My car. If not my wife and I loose our jobs and my wife can not get to her medical treatments. Which is on going. We have no way to go to the stores and pick up our meds or food. I am XXXX  and depend on the car. Ford repo the car and said I have to wait and see if I will get my car back. We will loose our jobs and have no way to get my wife medical treatment. We need the car back. Please I have multiple jobs i can not loose this car. I want ford to return the car to me before it's too late. I promised to keep up with the payment.I fell behind when I got sick. Please I just need the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio recovery old is a banned debt collector. Ive been harassed and my family and children have been harassed. Subpoenaed to court and stalked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-19 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation