vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: NY

Complaint narrative:
CFPB Complaint Request for Deletion of Inaccurate Charge-Off Account To Whom It May Concern, I am filing this complaint to formally request the permanent deletion of a charged-off account being reported by Experian, TransUnion, XXXX, This account is being reported inaccurately, in violation of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and Metro 2 reporting guidelines XXXX 
Account Details : - Creditor : XXXX XXXX XXXX - Account Type : Auto Loan - Account Number : XXXX - Status : Charged Off/ In Collections - Date Closed ( Reported ) : XX/XX/XXXX - Last Payment ( Reported ) : XX/XX/XXXX Grounds for Deletion : 1. **Inconsistent and Conflicting Data** : The account shows a last payment date of XX/XX/XXXX, yet the account is reported as closed on XX/XX/XXXX. This inconsistency is a violation of Metro 2 guidelines, which require internal data consistency across fields. An account can not legally reflect activity after closure unless reopened, which was not disclosed. 

2. **Violation of FCRA 607 ( b ) ** : The FCRA mandates that only complete and accurate information may be furnished to credit reporting agencies. Conflicting dates and misleading status updates violate this provision, warranting immediate removal if the data can not be verified with certified accuracy. 

3. **Ambiguous Remarks** : The Contact Subscriber remark is vague, fails to comply with Metro 2 guidance requiring clear resolution status ( e.g., Settled, Paid in Full, Charged Off ), and misleads future lenders, causing undue consumer harm. 

4. **Improper Charge-Off Reporting** : A charge-off implies no further payments, yet this account shows payment activity after the charge-off date, which may constitute unlawful re-aging or misclassification of the account. If any part of the charge-off status can not be verified as accurate and final, it must be removed. 

5. **Lack of Verifiable Documentation** : If the data furnisher can not provide full and complete documentation validating every aspect of this tradeline, the FCRA requires its deletion under 611. Unverifiable, outdated, or contradictory tradelines must be removed from consumer reports. 


Due to the above violations and inconsistencies, I am requesting the **permanent deletion of this account** from all consumer reporting agencies. I respectfully urge the CFPB to investigate this matter and take action to ensure full compliance with FCRA and Metro 2 standards.

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 2025-04-13 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-04-13 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has a supposed easy way to freeze and unfreeze your credit report. 
This has not been functional for months. Clicking new freeze button takes you to a create account page. If you log in then create freeze it displays the error of its on problem on Transunions part. 

I did unfreeze my report with Transunion assistance a few weeks ago but trying to freeze it again still shows errors. 
The service rep was informed of the problem but apparently Transunion chooses to leave the issue as it is. Their focus is selling unneeded products.

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 2025-04-13 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: CA

Complaint narrative:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-04-13 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. really appreciate yoir help

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 2025-04-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. really appreciate yoir help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TX

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, CHALLENGEDORNOXXXX.

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 2025-04-13 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: MO

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
Report of Dispute with XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally report a dispute with XXXX regarding my account and billing issues. Below are the details of the situation : XXXX. Account Transfer : I transferred my mobile service from XXXX to XXXXe approximately XXXX years ago. Upon transferring, I paid {$3000.00} to XXXX to close my account and settle the outstanding balance on my phones. 
XXXX. Promised Reimbursement : XXXX assured me that they would reimburse the {$3000.00} through prepaid cards and account credits. However, XXXX only provided {$600.00}, far less than the promised amount. 
XXXX. Billing Issues : After transferring to XXXX, I experienced significant issues accessing my bills through the XXXX app. Each month, the bill fluctuated unpredictably, ranging from {$300.00} to {$400.00}. Despite numerous calls to XXXX  customer support, I was unable to resolve the billing discrepancies. 
XXXX. Service Cancellation : I terminated my XXXX services approximately XXXX months ago and paid off the remaining balance. However, I am now being contacted by a collections agency claiming I owe {$520.00} for devices, which is incorrect. I did not receive any devices from XXXX, and all devices from XXXX were paid off at the time of service cancellation. 

Requested Action : Immediate investigation into my account and billing history with XXXX 
Removal of the erroneous claim of {$520.00} and any associated collections activity. 
Provision of a clear and accurate final bill detailing any outstanding charges, if applicable. 

I request your assistance in resolving this matter promptly and ensuring that my account is accurately settled. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/year> : Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$850.00}. The original creditor is XXXX  XXXX XXXX XXXX. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$810.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/year>, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 
I personally signed and sent this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
This is very simple. Aidvantage IS LYING TO ME AND THE CFPB. I have a recorded call admitting my SAVE application was received. In their last complaint ( see photo ) they denied receiving it. I literally have irrefutable proof they are lying. I HAVE PROOF SO WHY IS NOBODY HELPING ME. WHEN WILL THE CFPB TAKE ACTION HERE?!!?!?!?!? And to Aidvantagerespond to my previous complaint. EVERY SINGLE QUESTION. Hey Aidvantage, give me a yes or no answer question oneare you denying you told me on the phone you received my application? Yes or no question two, did you refuse to process it so you could continue charging interest even though I should have been in an interest-free forebearance?????? YES OR NO. Yes or no question three, have you charged me interest since XX/XX/XXXX when I submitted my SAVE application? Let 's start with these three questions since you seem unable to pay attention to more than that. Should be simple you just have to type three words. By the way, this is my last attempt before hiring a lawyer and suing you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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 am writing to file a formal complaint against XXXX XXXX for inaccurately reporting information on my credit reports maintained by Equifax, Experian, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following issues are present on my consumer credit reports : Inaccurate payment history Incorrect account status Erroneous late payment dates Overlapping reporting of a charged-off debt The debt in question was charged off by XXXX XXXX  and subsequently sold to XXXX XXXX XXXX XXXX However, Equifax is currently reporting overlapping account information for XX/XX/year> through XX/XX/year> under both XXXX XXXX  and XXXX XXXX, showing the XXXX  account as open and in good standing during a period in which it had already been charged off and transferred. 

This duplicate and inaccurate reporting misrepresents the status of the account and negatively impacts my credit profile. I have already attempted to resolve this matter by filing disputes directly with the credit bureaus, but the inaccurate information remains on my credit file. 

Under the FCRA, I have the right to expect that the information in my consumer file is accurate, complete, and verifiable. I am requesting that the CFPB investigate this matter and ensure that the inaccurate and conflicting data reported by XXXX XXXX is either corrected or removed entirely from my credit reports across all three major credit bureaus. 

Please find any relevant documentation attached. I appreciate your time and attention to this matter 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