vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion have reinserted multiple accounts into my credit reports without providing the legally required notice under FCRA 1681i ( a ) ( 5 ) ( B ). These accounts were previously deleted as a result of formal disputes, and yet they have been reimported without certification from the furnishers or proper written notice to me.

Many of these accounts : Appear with conflicting statuses across bureaus Lack documentation to support continued reporting Show signs of Metro 2 formatting violations ( e.g., open/closed status discrepancies, incorrect balances, inconsistent dates ) This is a direct violation of : FCRA 1681i ( a ), 1681e ( b ), 1681s-2 ( b ) FDCPA 1692e, 1692f Metro 2 Compliance Standards This reinsertion without process has damaged my credit profile and blocked financial progress.

In many cases, the same accounts are being re-reported with conflicting or outdated statuses, in violation of Metro 2 Compliance Guidelines and FCRA 1681e ( b ), which requires that all information reported be accurate and current. Some furnishers are continuing to report negative entries even though they no longer own the debt, or have sold/transferred it.

This conduct has caused me undue harm, confusion, and damage to my credit profile. I am now unable to move forward with financial goals due to accounts that were previously removed based on successful disputes. 

Accounts Involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-06 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: TX

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion have reinserted multiple accounts into my credit reports without providing the legally required notice under FCRA 1681i ( a ) ( 5 ) ( B ). These accounts were previously deleted as a result of formal disputes, and yet they have been reimported without certification from the furnishers or proper written notice to me.

Many of these accounts : Appear with conflicting statuses across bureaus Lack documentation to support continued reporting Show signs of Metro 2 formatting violations ( e.g., open/closed status discrepancies, incorrect balances, inconsistent dates ) This is a direct violation of : FCRA 1681i ( a ), 1681e ( b ), 1681s-2 ( b ) FDCPA 1692e, 1692f Metro 2 Compliance Standards This reinsertion without process has damaged my credit profile and blocked financial progress.

In many cases, the same accounts are being re-reported with conflicting or outdated statuses, in violation of Metro 2 Compliance Guidelines and FCRA 1681e ( b ), which requires that all information reported be accurate and current. Some furnishers are continuing to report negative entries even though they no longer own the debt, or have sold/transferred it.

This conduct has caused me undue harm, confusion, and damage to my credit profile. I am now unable to move forward with financial goals due to accounts that were previously removed based on successful disputes. 

Accounts Involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-06 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: MD

Complaint narrative:
Complainant : XXXX XXXX XXXX Address : XXXX Royal Bonnet Circle XXXX XXXX, Maryland XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Subject : Complaint Against Experian for Violations of TILA and FCRA Relating to Billing Errors and Improper Credit Reporting I am filing this complaint against Experian due to multiple violations of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). Upon review of my consumer credit report, I identified serious billing errors and improper reporting that constitute violations of federal law. 
Under TILA, specifically 15 U.S.C. 1666 ( b ), creditors must properly reflect payments made on a credit account. Additionally, under 15 U.S.C. 1666 ( c ), they must correct computation or similar accounting errors. Furthermore, failing to issue a billing statement at least 21 days prior to a reported late payment violates TILA and invalidates any such delinquency. 
Under FCRA, specifically 15 U.S.C. 1681i, Experian/Equifax/Transunion must conduct a proper reinvestigation of disputed information and ensure only accurate and verifiable data is reported. 
I requested the following actions from Experian/Equifax/Transunion : XXXX Verifiable proof from original accounting records not generic statements that : - A payment was missed, AND - A proper billing statement was provided at least 21 days before the reported late payment ; - OR update the accounts in question to reflect 'Paid as Agreed ' or remove the negative entries entirely.

If Experian/Equifax/Transunion does not comply , this constitutes a willful or negligent violation of 15 U.S.C. 1681n, 1681o ( FCRA ), and 1666i ( TILA ), entitling me to damages, punitive damages, and legal costs. Please be advised : I have already submitted formal complaints to the CFPB, the State Attorney General, the Better Business Bureau ( BBB ), and the Federal Trade Commission ( FTC ). If no correction is made within 15 calendar days, I will pursue Small Claims Court action. This complaint is submitted to the CFPB to ensure compliance and initiate enforcement action if necessary. 

Sincerely, 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 2025-05-06 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: TX

Complaint narrative:
The following accounts : XXXX XXXXXXXX, account number XXXX and XXXXXXXX XXXX, account number XXXX were charged off on the following dates. XXXX, on XX/XX/XXXX, and XXXXXXXX XXXX on XX/XX/XXXX. Since then these accounts have repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate these accounts properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXXXXXX, account number XXXX, XXXXXXXX XXXX, account number 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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NATIONAL CREDIT SYSTEMS regarding an account I have with them XXXX * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NATLCRSYS ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ) XXXX * * Balance : {$11000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NATIONAL CREDIT SYSTEMS but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-06 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:
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 explanation
Consumer complaint received 2025-05-06 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:
Please see the attached Affidavit of Truth, which outlines in detail the false, misleading, and unverified information Experian continues to report. I have sent multiple dispute letters on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. The most recent letter was a Demand to Comply, and yet Experian continues to report inaccurate, unverifiable, and outdated information in violation of multiple provisions of the FCRA. These are the violations I am citing : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1692k FDCPA civil liability I am now initiating litigation for willful and negligent noncompliance, as I have exhausted all reasonable attempts to resolve these inaccuracies. I am a litigious consumer and hereby serve official notice of pending legal action, seeking monetary compensation for each violation. Experian has failed to provide any Method of Verification or response confirming the accuracy or legitimacy of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Many of these accounts lack uniformity and accuracy XXXX  required under 15 U.S.C. 1681b ( e ) ( 6 ). I am demanding that immediately remove all accounts listed above and cease any further reporting, as they are unverified, inconsistent, and legally invalid. All correspondence regarding this matter should be sent through the CFPB portal to maintain a proper paper trail.

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 2025-05-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
Hello, There is two incidents. 
New home. Had to wait for XXXX. XXXX XXXX in XX/XX/XXXX. They wouldnt remove flood insurance until XX/XX/XXXX. Numerous emails and phone calls and threating action until someone actually read the documents. 

Second incident XXXX updated flood maps, overlooked my LOMR. 
XXXX refiled XXXX. 
Got new XXXX XX/XX/XXXX. 
I have submitted the documents twice. 
They have refused to remove flood insurance again. They have tacked on their own insurance plan at the tune of XXXX k. 

They fail to read the documents and state the documents don't apply due to date. 
The LOMR is dated XX/XX/XXXXXXXX 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 2025-05-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-06 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: MA

Complaint narrative:
I am writing to notify you that I am a victim of identity theft and to demand the immediate and permanent removal of the following unauthorized hard inquiries from my credit report. These inquiries were made without my knowledge, authorization, or any legitimate business relationship inquiries : List of Unauthorized Inquiries Due to Identity Theft : XXXX XXXX  XX/XX/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 XXXXXX/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 2025-05-06 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: MO

Complaint narrative:
Disputing XXXX XXXX but they changed there name to XXXX XXXX so when my first dispute didn't show under the original name they said it wasn't currently being reported but it was under new name and equifax said they couldn't verify it but told u all in the response that it wasn't being report when I have a identity theft report and sent documents cause they also add all late fee charges that add up to the amount that was supposed to be closed years ago back in 2021.

Company response to consumer: Closed with explanation