vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I had a XXXX  day late payment reported from XXXX XXXX that is now reflecting on my credit report. The XXXX day late payment was reported to Experian on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. The XXXX  day late payment is being reported for the month of XXXX on my credit report. 

According to information on the XXXX website regarding credit reporting, please see the following : " How is my loan reported to the credit bureaus? 

Account status is reported to the credit bureaus as of XXXX XXXX  ( Central ) on the last business day of the month. All phone and web payments must be authorized before XXXX XXXX ( Central ) on the last business day of the month to avoid possible negative credit reporting. Some exclusions may apply for California residents. A derogatory mark is reported depending on delinquency standards of the loan program. '' As mentioned my account was reported on XX/XX/XXXX to Experian, to XXXX on XX/XX/XXXX, and to XXXX on XX/XX/XXXX as XXXX days late but per the above policy the last report to the bureau 's should have been made on XX/XX/XXXX at which point my account was NOT XXXX days past due and once again if reported on XX/XX/XXXX as outlined in their own policy you will see that my account will NOT be XXXX days past due. This was an improper late payment report as outlined by the parameters in their own policies. At no point was my account XXXX or more days past due at the time of credit reporting ( last business day of the month ).

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 2025-03-24 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: TX

Complaint narrative:
I had a XXXX  day late payment reported from XXXX XXXX that is now reflecting on my credit report. The XXXX day late payment was reported to XXXX on XX/XX/XXXX, TranUnion on XX/XX/XXXX, and XXXX on XX/XX/XXXX. The XXXX day late payment is being reported for the month of XXXX on my credit report. 

According to information on the XXXX website regarding credit reporting, please see the following : " How is my loan reported to the credit bureaus? 

Account status is reported to the credit bureaus as of XXXX XXXX ( XXXX ) on the last business day of the month. All phone and web payments must be authorized before XXXX XXXX ( XXXX ) on the last business day of the month to avoid possible negative credit reporting. Some exclusions may apply for California residents. A derogatory mark is reported depending on delinquency standards of the loan program. '' As mentioned my account was reported on XX/XX/XXXX to XXXX, to TranUnion on XX/XX/XXXX, and to XXXX on XX/XX/XXXX as XXXX days late but per the above policy the last report to the bureau 's should have been made on XX/XX/XXXX at which point my account was NOT XXXX days past due and once again if reported on XX/XX/XXXX as outlined in their own policy you will see that my account will NOT be XXXX days past due. This was an improper late payment report as outlined by the parameters in their own policies. At no point was my account XXXX or more days past due at the time of credit reporting ( last business day of the month ).

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 2025-03-24 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: TX

Complaint narrative:
I had a XXXX  day late payment reported from XXXX XXXX that is now reflecting on my credit report. The XXXX day late payment was reported to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and Equifax on XX/XX/XXXX. The XXXX day late payment is being reported for the month of XXXX on my credit report. 

According to information on the XXXX website regarding credit reporting, please see the following : " How is my loan reported to the credit bureaus? 

Account status is reported to the credit bureaus as of XXXX XXXX  ( XXXX ) on the last business day of the month. All phone and web payments must be authorized before XXXX XXXX ( XXXX ) on the last business day of the month to avoid possible negative credit reporting. Some exclusions may apply for California residents. A derogatory mark is reported depending on delinquency standards of the loan program. '' As mentioned my account was reported on XX/XX/XXXX to XXXX, to XXXX on XX/XX/XXXX, and to Equifax on XX/XX/XXXX as XXXX days late but per the above policy the last report to the bureau 's should have been made on XX/XX/XXXX at which point my account was NOT XXXX  days past due and once again if reported on XX/XX/XXXX as outlined in their own policy you will see that my account will NOT be XXXX days past due. This was an improper late payment report as outlined by the parameters in their own policies. At no point was my account XXXX or more days past due at the time of credit reporting ( last business day of the month ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
I am filing this complaint because TransUnion is inaccurately reporting my credit information, and despite multiple disputes and supporting documentation, they have failed to correct the errors. This is negatively affecting my credit score and financial standing. 

The inaccurate reporting includes : TransUnion falsely states that my XXXX credit card account was included in bankruptcy. This is incorrectI did not include this account in my bankruptcy filing. 
TransUnion is reporting an outstanding balance on this account when it has been paid in full. I have submitted bank statements and proof of payments showing a {$0.00} balance, yet they continue to report an inaccurate balance. 
Background on the Issue : I filed for bankruptcy in XX/XX/XXXX, but my XXXX credit card was NOT included in the filing. 
I continued making on-time payments on this account after my bankruptcy. 
In XX/XX/XXXX, I noticed XXXX was not reporting my account activity, so I contacted them. 
Shortly after, XXXX closed my account, claiming it was due to an " internal risk policy '' upon learning of my bankruptcy. 
I paid off my balance in full in XX/XX/XXXX, yet TransUnion is still reporting an outstanding balance. 
TransUnion also falsely reports that this account was included in my bankruptcy, which is incorrect. 
I have disputed this XXXX, providing statements and screenshots as proof, yet TransUnion refuses to correct their reporting. 
Attempts to Resolve : I have disputed the incorrect reporting twice with TransUnion, providing : Bank statements showing my payments and {$0.00} balance. 
Proof that my XXXX credit card was not listed in my bankruptcy. 
Dispute confirmation numbers from previous TransUnion submissions. 
XXXX has confirmed that they sent a correction request to TransUnion, yet my credit report remains inaccurate. 
TransUnions failure to correct these errors is a violation of the Fair Credit Reporting Act ( FCRA ) and is directly harming my credit score. 
Requested Resolution : I am requesting that TransUnion immediately correct the inaccurate reporting, including : Removing the false bankruptcy notation from my XXXX account. 
Correcting my balance to reflect {$0.00}, as the account is fully paid off. 
Providing written confirmation that the corrections have been made. 
Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure accurate reporting. Their continued failure to do so is harmful, negligent, and unacceptable. I expect a resolution immediately.

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 2025-03-24 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: OH

Complaint narrative:
I believe mortgage/auto rate inquiries, aka ; hard inquiries within 10 days are to be counted as a single one. My credit report shows & counts each as a separate inquiry, as shown below... 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This diminishes an aspect of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I believe mortgage/auto rate inquiries, aka ; hard inquiries within 10 days are to be counted as a single one. My credit report shows & counts each as a separate inquiry, as shown below... 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This diminishes an aspect of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unfortunately, I have noticed some an accurate entries of information found on my consumer report. Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Per 15 USC 1681 Permissible Purposes , I want this hard inquiry removed from my consumer report. These inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.

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 2025-03-24 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: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
I become aware of my idenity theft some time in XXXX. I saw this account opened under my name. I plan on disputing this account and sending this report to the three major credit bureaus. I have no association with this account or had any knowledge of them being opened until XX/XX/2025. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. 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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint against National Credit Systems ( NCS ) for egregious violations of my consumer rights under the FCRA and FDCPA. NCS is reporting a {$10000.00} rental collection to the credit bureaus. Between XX/XX/XXXX and XX/XX/XXXX, I sent XXXX letters via certified mail and have confirmed delivery of each letter with XXXX. The first letter was a settlement offer. The second letter was another settlement offer. The third letter disputed the debt and included medical documentation of legal incompetence at the time the debt was incurred. I asked for deletion of the account. The fourth letter disputed the debt, reiterated my legal incompetence at the time the debt was incurred, and demanded deletion, with a deadline of 15 days, after which I would escalate the matter to regulatory authorities if no reply was received. To date, NCS has not provided any response, acknowledgement, or verification of the debt. It has now been well beyond the legally required timeframe for verification, yet NCS continues to report the debt on my credit reports as if it were valid, damaging my credit. Not a single piece of proof or documentation has been given to substantiate this debt despite my 4 certified requests. Additionally, the address listed on my credit reports is no longer valid, as evidenced by returned certified mail. This raises concerns about compliance and the accuracy of the information being reported to the credit bureaus. NCS is reporting a debt that I have formally disputed without ever verifying it within the timeframe required by law. Furthermore, XXXX and XXXX continue to report this account as verified despite multiple disputes and a request to each for their method of verification, as is my legal right. My understanding is that credit bureaus must not continue reporting or verifying a debt if the collection agency fails to respond to direct disputes from the consumer, yet they continue to do so. I have also filed complaints with the NC Attorney General, FTC, and XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council
State: NY

Complaint narrative:
On XX/XX/2025, XXXX XXXX instructed his team of XXXX  XXXX XXXX  XXXX ( XXXX ) to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau , I am writing to formally dispute multiple inaccuracies on my credit report. I recently reviewed my credit report and found errors that need to be corrected as they do not accurately reflect my credit history. Below are the details of the disputed items : Items Being Disputed : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Error Description : OWNERSHIP Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of consumer reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute.

I have attached copies of relevant documents, including my credit report with the disputed items highlighted, a copy of my identification, and any supporting documents that verify my claim.

I request that these errors be investigated and corrected promptly. Please provide me with written confirmation once the changes have been made. If the information can not be verified, I ask that it be removed from my credit report immediately, as required by law.

Thank you for your time and attention to this matter. I appreciate your prompt resolution and look forward to your response. 

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 2025-03-24 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: AZ

Complaint narrative:
Quarterly premiums have continued to be deducted from my checking account for many months on a product that is no longer even offered.

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 Ally Credit Card Services closed my account after filing a CFPB Complaint in XX/XX/year>. I filed the complaint in regards to issues when it came to filing a dispute for transactions a former partner had stolen the card. Ally refused to allow me to dispute multiple fraudulent charges. I submitted evidence showing Ally Credit Card was " keeping the change '' when it came to my transactions. I received a private document from Ally Credit Card services after speaking with several customer service representatives about this issue. The representatives sent the account to escalations after they stated I was being combative but in reality, Ally has been stealing from consumers for years. They never addressed the complaint issued 12 months ago. Ally is also reporting on this account and not collecting on it. XXXX XXXX XXXX now has this account in question. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) If incorrect information is reported to credit bureaus, the credit card company ( the furnisher ) must investigate and correct errors if you dispute them.

They can not refuse to accept a dispute if it concerns fraud, identity theft, or reporting errors. 

The account was opened by an ex partner, the phone number AND email address associated with this account is to him. Not me. Ally has never contacted my phone number in regards to this account. Ally has willfully negligently enabled Identity Fraud as well.

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 2025-03-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Unfortunately, I have noticed some an accurate entries of information found on my consumer report. Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Per 15 USC 1681 Permissible Purposes , I want this hard inquiry removed from my consumer report. These inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.

Company response to consumer: Closed with explanation