vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-26 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private DOB ), Contents of Complaint : 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 and false information consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is not disputing accounts accurately. 
7 year old accounts still reporting only on Equifax. 
A dispute into mortgage late payments to be removed resulted in removal of late payments but also deleted the entire account even with it being current to date on all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is not disputing accounts accurately. 
7 year old accounts still reporting only on XXXX. 
A dispute into mortgage late payments to be removed resulted in removal of late payments but also deleted the entire account even with it being current to date on all credit bureaus.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Reliant Capital Solutions, LLC
State: ND

Complaint narrative:
I am filing a complaint regarding a balance of {$4800.00} that was referred to collections by XXXX XXXX. I was a student enrolled in their XXXX XXXX XXXX program. During my time at XXXX, I was misled about my financial aid eligibility, repeatedly assured that my tuition would be fully covered by grants, and advised to start classes while my aid was still processing. I later discovered I had been enrolled part-time, disqualifying me from full aid a fact that was never disclosed prior to incurring charges. 

I also experienced a disability-related mental health crisis, for which I submitted medical documentation and received an approved accommodations plan. Despite this, XXXX failed to consistently apply accommodations, denied my appeal for a financial aid exception, and then referred the unpaid balance to collections all while acknowledging my XXXX and submitted documentation. 

I am requesting the CFPB investigate this matter for violations of student borrower protections and fair debt collection practices. I am also filing a Borrower Defense to Repayment claim with the U.S. Department of Education.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The following personal information is incorrect 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 Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit 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 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 XXXXXX/XX/XXXX Please remove it from my credit report Please remove it from my credit report 15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer 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 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 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Subject : XXXX XXXX XXXX Reporting Incorrect Balance After Debt Settlement & Failure to Dismiss Lawsuit What Happened? 
I entered into a settlement agreement with XXXX XXXX XXXX, XXXX to resolve my debt for {$1400.00}, as outlined in a signed agreement dated XX/XX/year>. The agreement required me to make two payments : {$1300.00} due on XX/XX/year> ( paid ) {$150.00} due on XX/XX/year> ( paid ) I fully satisfied the settlement as agreed. The agreement also stated that upon completion of payments, XXXX XXXX XXXX would release me from any further claims related to the debt and resolve the matter. However : 1. They continue to report an outstanding balance of {$2200.00} on my credit report, despite the settlement. 
2. They have failed to dismiss the lawsuit ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) as agreed. 
3. I have called multiple times and sent emails requesting a Letter of Satisfaction, but they have not responded. 

What I Want XXXX XXXX XXXX to Do by or Before XX/XX/year> : 1. Immediately update my credit report to reflect a {$0.00} balance and indicate the account is settled. 
2. Provide a written Letter of Satisfaction confirming the debt has been fully resolved. 
3. Dismiss the lawsuit ( XXXX XXXX. XXXX ) as per the agreement. 
4. Cease any further collection activity related to this account. 

Supporting Documents : I am attaching a copy of : The signed settlement agreement dated XX/XX/year> Proof of completed payments on XX/XX/year>, and XX/XX/year> Screenshots/emails of my attempts to contact them Court case details showing the lawsuit remains active XXXX XXXX XXXXXXXX actions violate the Fair Credit Reporting Act ( FCRA ) and breach the settlement agreement by failing to : Properly report my account as settled Honor their commitment to dismiss the lawsuit If this matter is not fully resolved on or before XX/XX/year>, I will take further action, including filing complaints with the XXXX XXXX XXXX ( XXXX ), my state attorney general, and pursuing legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express account number XXXX was charge off on my report the company refuse to send me a 1099 after several attempts {$2800.00} Amex XXXX was charge off on my report company never issues me a 1099 and XXXX XXXX account XXXX was charge off on my account company refuse to issue a 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experians Response to my Dispute : The bankruptcy was not removed, and Experian stated the reporting source confirmed its accuracy.

However, under the FCRA Laws, credit bureaus must conduct an independent investigation rather than solely relying on the reporting entity. 607. Compliance Procedures ( 15 U.S.C. 1681e ) Credit bureaus must ensure the accuracy and fairness of credit reporting.

This bankruptcy is reported inconsistently this is a compliance failure.

623. Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 )

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My last filed complaint with your office about this matter of my mortgage not being on my credit report and my request for misinformation being removed from my credit report, for example : current employment which show 2 business that have be closed for over 20 years.we briefly removed and now reappear on my credit report again. Tried to dispute this on Equifax 's online complaint app, but doesn't allow you the option to clarify your answer to a yes or no question. 
XXXX XXXX never responded to the complaint I filed with this office, or the State District Attorneys Office. My mortgage was paid in full on XXXX. I have a deed of reconyvence from them and talked with there customer service department about how long it would take to have this information reported to the credit reporting agencies, I was told around 30 days.. Now its going on six months and still nothing reported to any XXXX. 
All the time the had my mortgage they never reported any information to any credit reporting agency. This failure of XXXX to acknowledge the mortgage fully paid is inexcusable, and causing me great financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My last filed complaint with your office about this matter of my mortgage not being on my credit report and my request for misinformation being removed from my credit report, for example : current employment which show 2 business that have be closed for over 20 years.we briefly removed and now reappear on my credit report again. Tried to dispute this on XXXX 's online complaint app, but doesn't allow you the option to clarify your answer to a yes or no question. 
XXXX XXXX never responded to the complaint I filed with this office, or the State District Attorneys Office. My mortgage was paid in full on XXXX. I have a deed of reconyvence from them and talked with there customer service department about how long it would take to have this information reported to the credit reporting agencies, I was told around 30 days.. Now its going on six months and still nothing reported to any XXXX. 
All the time the had my mortgage they never reported any information to any credit reporting agency. This failure of XXXX to acknowledge the mortgage fully paid is inexcusable, and causing me great financial harm.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My last filed complaint with your office about this matter of my mortgage not being on my credit report and my request for misinformation being removed from my credit report, for example : current employment which show 2 business that have be closed for over 20 years.we briefly removed and now reappear on my credit report again. Tried to dispute this on XXXXXXXX XXXX online complaint app, but doesn't allow you the option to clarify your answer to a yes or no question. 
XXXX XXXX never responded to the complaint I filed with this office, or the State District Attorneys Office. My mortgage was paid in full on XXXX. I have a deed of reconyvence from them and talked with there customer service department about how long it would take to have this information reported to the credit reporting agencies, I was told around 30 days.. Now its going on six months and still nothing reported to any XXXX. 
All the time the had my mortgage they never reported any information to any credit reporting agency. This failure of XXXX to acknowledge the mortgage fully paid is inexcusable, and causing me great financial harm.

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