vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Late Payment Reporting Dear, To Whom It May Concern I am writing to formally dispute the late payment entries reported on my credit report associated with my account. I believe these entries are inaccurate and unfairly reported due to non-compliance with the Truth in Lending Act ( 15 USC 1666b ). 



XXXX XXXX Account # : XXXX According to this statute, a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure that each periodic statement, which includes the required disclosures from section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. I have not received the periodic statement as required, and I have requested proof of this mailing in good faith, but I have not received the necessary documentation.

The failure to provide the periodic statement in a timely manner is not only unfair but also illegal, and it has negatively affected my credit report. Therefore, I am requesting the following : 1. A review of my account and the removal of any late payment entries from my credit report.

2. Documentation proving that the periodic statements were mailed or delivered to me at least 21 days before the due date.

Please consider this letter a formal request to rectify this situation. I expect a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). If I do not receive a satisfactory response, I will consider escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your prompt attention to this matter. 

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 2025-03-20 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: SC

Complaint narrative:
XXXX - XXXX XXXX XXXX - XXXXI am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference. 
A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding concerns with the accuracy, access, and potential mishandling of my credit report information. I have reviewed my credit reports from TransUnion, Experian, and Equifax, and there are several discrepancies and issues that I need assistance resolving. 
Below is a summary of the information I have reviewed and the concerns I would like to address : XXXX. Discrepancies in Credit Report Data transunion : Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Marks : XXXX Collection Accounts : XXXX Balances : {$5700.00} Public Records : XXXX Inquiries ( 2 years ) : XXXX experian : Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Marks : XXXX Collection Accounts : XXXX Balances : {$6700.00} Public Records : XXXX Inquiries ( 2 years ) : XXXX Equifax : Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Marks : XXXX Collection Accounts : XXXX I am concerned about the following : Inconsistent Information Across Bureaus : The data reported by TransUnion, Experian, and Equifax is inconsistent, particularly regarding the number of delinquent accounts, derogatory marks, collection accounts, and public records.

Possible Errors in Reporting : The number of derogatory marks and public records.

reported by each bureau seems unusually high and may include inaccurate or outdated information. Unfamiliar Accounts or Inquiries : There are several accounts and inquiries listed that I do not recognize or recall authorizing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. The discrepancies and potential inaccuracies outlined above may indicate violations of the FCRA, including : Reporting of inaccurate or outdated information. Failure to properly investigate disputes or verify the accuracy of information. Unauthorized access to my credit report, as I do not recognize some of the inquiries listed.

3. Concerns About Data Handling I am also concerned that my credit information may not have been properly safeguarded by the credit bureaus or the credit monitoring service I am using. If my data was mishandled or accessed without authorization, it could constitute a violation of privacy laws, such as the Gramm-Leach-Bliley Act ( GLBA ) or other applicable regulations.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-03-20 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: CL Holdings LLC
State: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes, Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate : Jefferson Capital Systems LLC- {$640.00}, Jefferson Capital Systems LLC- {$720.00}, XXXX XXXX XXXX XXXX - {$750.00}, XXXX XXXX XXXX XXXX - {$770.00}, XXXX XXXX XXXX XXXX - {$1000.00}, XXXX XXXX XXXX - {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes, Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate : XXXX XXXX XXXX XXXX- {$640.00}, XXXX XXXX XXXX XXXX- {$720.00}, XXXX XXXX XXXX XXXX - {$750.00}, XXXX XXXX XXXX XXXX - {$770.00}, XXXX XXXX XXXX XXXX - {$1000.00}, Caine & Weiner - {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
Ive been trying to get this information removed from my credit report since XX/XX/XXXX, because its a direct result of XXXX XXXX. I understand that FactorTrust wants me to physically mail my documents, but that is not safe or accessible for me. 

I need someone to help me get this information off my credit report as soon as possible. This is causing me credit denials left and right and is seriously hurting my ability to move forward in life. Im struggling to get approved for anything, and its ruining my financial stability. 

Here is the information that needs to be removed because it is tied to my XXXX  situation : ADDRESSES : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI MI XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX HOME TELEPHONE NUMBERS : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ( XXXX ) XXXX EMPLOYERS : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX {$75.00} / {$64.00} Balance PAYMENTS Bad Payments {$260.00} What Im Asking For : I just need FactorTrust to work with me and allow me to submit my XXXX XXXX documentation in a way thats actually safe for me. I shouldnt have to physically mail something when Im telling them its not a safe option. This is really affecting my life in a major way, and I need it fixed. 

Can someone please help me get this resolved? Im desperate for this to be taken off my credit report so I can move forward.

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 2025-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TOWNE MORTGAGE COMPANY
State: WI

Complaint narrative:
For almost 2 years now we have been slow to pay, When I login to our account to make a payment before it is late, the system blocks out 3 to 5 days forward, including the same day. By the date that it allow me to make the payment it is 30 days past due and negatively reported on my credit. When I called to find out why and have them fix it, I was informed that I was not on the mortgage loan and they would not speak with me. I was unaware that I had been removed from the mortgage loan but I was still on the deed. The biggest problem is that we can't even find a new lender because of all the 30 day past due payments that would NOT have been late had I been able to make a payment the day I signed into my account to do so. Plus they have been charging us PMI since we refinanced in XXXX  with over 20 % equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following accounts listed on my credit report : 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 2025-03-20 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: CA

Complaint narrative:
Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following accounts listed on my credit report : 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 2025-03-20 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: BTH Management
State: MS

Complaint narrative:
PLAZA SERVICES LLC REINSERTED A DELETED COLLECTIONS ACCOUNT THAT HAS APPEARED ON MY CONSUMER CREDIT REPORT WITHOUT PROPER NOTIFICATION AND ANY DEBT ALLEGEDLY PURCHASED WITHOUT MY CONSENT, WHICH CONSTITUTES AGGRAVATED IDENTIY THEFT UNAUTHORIZED DEBT PURCHASE -VIOLATION OF FCRA AND IDENTITY THEFT LAWS. XXXXVIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) 15U.S.C 1681S-2 ( B ) AND 15 U.S.C.1681I ( A ) ( 5 ) ( B ). ACCORDING TO 15 U.S.C.1681B ( F ) IF YOU OURCHASED THIS ASSUMED DEBT WITHOUT MY CONSENT OR A VALID CONTRACT OR AGREEMENT BEARING MY SIGNATURE, THIS VIOLATES THIS LAW. VIOLATION OF IDENTITY THEFT LAWS-18 U.S.C.1028A. I HAVE ATTACHED A COPY OF THE CONSUMER FICO CREDIT REPORT. I HAVE ATTACHED A COPY OF THE FTC FEDERAL TRADE COMMISSION REPORT I HAVE ATTACHED A COPY OF CERTIFIED MAILED DISPUTE LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions.

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Kindly delete the inquiries referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within XXXX  days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-03-20 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within XXXX  days will leave me no choice but to pursue all legal counsel to protect my rights.

Company response to consumer: Closed with explanation