vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Ongoing Inaccuracy on Credit Report and Inadequate Investigation by Equifax Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a persistent and unresolved issue with my credit report, and the failure of Equifax to adequately investigate and correct the inaccurate information despite multiple previous attempts to request assistance. 

I have disputed inaccurate information on my credit report with Equifax under the Fair Credit Reporting Act ( FCRA ), but the investigation conducted was clearly inadequate and did not result in the correction of the error. Despite providing relevant documentation and requesting a thorough review, the company failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that a consumer reporting agency must provide a notice with the results of the reinvestigation, including a description of the procedure used to determine the accuracy and completeness of the information. This step was not followed. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or can not be verified, the credit reporting agency is required to delete the item from the consumers file and notify the furnisher of that deletion. This also has not occurred in my case. 

The failure of Equifax to correct this inaccurate information has caused and continues to cause significant harm to my financial well-being, including but not limited to the denial of credit and unfavorable lending terms. 

I am requesting that the CFPB take action to ensure that Equifax complies with its obligations under federal law and provides me with written confirmation detailing the steps taken to correct this issue. If this matter is not resolved promptly and satisfactorily, I will be compelled to escalate this issue further with the CFPB and other relevant regulatory agencies. 

Thank you for your attention to this matter. I respectfully request your assistance in ensuring that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I requested the account to be closed and no further payment/debits be honored. They kept saying they could not close it because it went into a negative balance due to the charges the bank added or vendor debits. I made a deposit that had me with a {$20.00} credit and they still didnt close it I was living in a homeless shelter from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted each credit bureaus and tried to make them understand that there is at least 10 names for my personal information, multiple addresses I never lived at or don't even live there anymore for multiple years now, I am now single and have no co applicant for any loan nor I am a co applicant for any loan but nothing changed on my 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted each credit bureaus and tried to make them understand that there is at least 10 names for my personal information, multiple addresses I never lived at or don't even live there anymore for multiple years now, I am now single and have no co applicant for any loan nor I am a co applicant for any loan but nothing changed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Year 2023 XXXX it says there are 2 accounts with this company this is fraudulent i told these guys multiple times through XXXX XXXX i even tried to get police report the station can't help please help understand ima victim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-20 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-21 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: NV

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX # XXXX -- - Opened : XX/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 2025-04-20 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 EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX EXPERIAN TRANSUNION 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! 


Update 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 2025-04-20 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX EXPERIAN TRANSUNION 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! 


Update 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 non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have at multiple occasions informed the credit bureaus about the wrong information on my credit report. All of these accounts have been paid off or closed or inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have at multiple occasions informed the credit bureaus about the wrong information on my credit report. All of these accounts have been paid off or closed or inaccurate information. 

EXETER FINANCE LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 XXXX 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 explanation
Consumer complaint received 2025-04-20 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: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> XXXX Department of Education or Loan Servicer __________________________________________ __________________________________________ Subject : Dispute of Inaccurate Student Loan Reporting and XXXX Violations Dear Sir or Madam, I am writing to formally dispute the student loan information reported under Account Number [ Insert Account Number ]. Upon reviewing my records, I believe that certain information related to my loan ( XXXX ) has been reported inaccurately and XXXX also constitute a violation of my rights under the Family Educational Rights and Privacy Act ( XXXX ). 
XXXX. XXXX Violation Under XXXX ( XXXX XXXX. XXXX ), students are entitled to the protection of their educational records, which includes the accuracy and confidentiality of such records. The reported inaccuracies regarding my student loan ( XXXX ) suggest a potential violation of my rights under XXXX, specifically the : XXXX of inaccurate or incomplete loan information. 


Failure to ensure that my educational records were properly maintained and safeguarded. 


I request that you immediately investigate and address the accuracy of the loan details in question. If you are unable to substantiate the reported loan information or if it is found that my educational records have been mishandled or disclosed without my consent, I demand that you remove the incorrect entries from my credit report and correct any discrepancies. 
XXXX. Request for XXXX Removal Given the potential XXXX violation, I ask that the inaccurate loan information be removed immediately from my credit file. The inaccurate reporting of my loan details is not only damaging to my financial standing but also violates my rights to the privacy and accuracy of my educational records. 
XXXX. Possible Litigation Please be advised that should this matter remain unresolved within 30 days from the date of this letter, I will consider pursuing legal action for violation of my XXXX rights. This XXXX include : Filing formal complaints with the XXXX Department of Education and other relevant regulatory bodies. 


Initiating litigation to seek damages for any harm caused by the inaccurate reporting and potential disclosure of my private educational records. 


I trust that you will give this matter the immediate attention it requires and ensure that my rights are upheld. I look forward to your prompt response and the resolution of this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I am reporting the unauthorized creation and use of several accounts that were opened in my name without my knowledge or consent. These accounts do not belong to me, and I have never given anyone permission to use my identity. I have taken the necessary steps to report this identity theft, including filing a police report and notifying the relevant institutions. I am urgently requesting that these fraudulent accounts be removed from my profiles and records immediately. I am providing this statement as part of my effort to resolve the damage caused by this identity theft and to protect my personal and financial well-being.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
* * To the Consumer Financial Protection Bureau, *, I am writing to dispute inaccurate information being reported by all three major credit bureausXXXX XXXX and XXXXon my credit reports. 

I have noticed several discrepancies that are negatively affecting my credit For example, an account with [ XXXX ] is showing as delinquent, but this account was paid in full on [ XXXX XXXX. I have documentation proving that the account was settled and closed properly. 
2. * * [ Another Error ] * * There is a collection account listed for the amount of XXXX XXXX XXXXXXXX ], From Navy Federal which is incorrect 3. * * [ Optional Additional Error ] * * A late payment was reported on for my account with [ self ], even though I made the payment on time and have confirmation of the transaction.ALSO NAVY FEDERAL AND XXXX ARE REPORTING WRONG INFORMATION I have contacted the credit bureaus directly to dispute these items and provided them with all supporting documentation. However, these errors remain unresolved. I am now requesting that the CFPB investigate this matter and assist in having the inaccurate information corrected or removed. 

These errors are affecting my financial well-being, including my ability to qualify for credit and secure fair interest rates. I would greatly appreciate any help you can provide to ensure that the credit bureaus accurately reflect my credit history. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation