vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: AL

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 2025-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: VA

Complaint narrative:
I sent them a check through a service company. The service company said they received the check on XXXX for XXXX payment but Village Capital said they don't have it. They said they moved down the block and the address has changed. Two things wrong with that. Their website states I can send the check to one of two addresses and the payment will be processed. I sent it to the same address as last month and there were no issues. And, again the service company reports they received it on XXXX and have not deposited the check. They just want to charge intentional late fees when the error is on their part. I have called a few times. They said it will take 11 days to find the check and update account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
Ive been dealing with the fallout from these report errors for far too long. I've had credit cards declined, watched my score tank for reasons that make no sense, and spent countless hours trying to dispute entries that shouldn't even exist. It's humiliating and stressful, especially when these issues are beyond my control.

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 2025-04-08 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I have a issue with Venmo. I have been going back and forth with Venmo about my XXXX dollars that's in the account. 
They asked for proof of identity, I sent them - Photo of ID - Picture of me holding my ID - PDF of my account that was connected to it. 
- A check stub with my Name, Address and other criteria. 

So there's no way they still think this account isn't mine! 

After that Venmo said that they were permanently shutting down the account with my money in it!! Because they wanted me to send them a PDF of another account that wasn't mine, but my family members. 
I'm just trying to get my money. This is ridiculous. Who in the world would pretend to be me?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$740.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 XXXX 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 XXXX XXXX XXXX. 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 in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : FORMAL DISPUTE OF INACCURATE XXXX XXXX  ACCOUNT ( # XXXX ) - FCRA 611 DEMAND To Whom It May Concern : I am writing to formally dispute inaccurate information regarding the above-referenced XXXX XXXX account under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). This letter serves as notice to all three major credit reporting agencies simultaneously. 

Account Details in Dispute : Creditor : XXXX XXXXXXXX Account # : XXXX Status : Charged Off ( {$460.00} ) Reported Balance : {$460.00} Credit Limit : {$300.00} Last Payment Date : XX/XX/XXXX Specific Disputes : Mathematically Impossible Balance ( FCRA 607 ( b ) ) The reported XXXX b a l a n c e e x c e e d s t h e XXXXbalanceexceedstheXXXX credit limit by 155 %, indicating either : a ) Unauthorized fees/interest charges, or b ) Reporting errors Incomplete Payment History ( FCRA 623 ( a ) ( 5 ) ) The payment history shows inconsistent " CO '' ( charge-off ) codes without : Proper dates Amounts charged off Supporting documentation Improper Charge-Off Reporting ( FDCPA 807 ( 8 ) ) No evidence XXXX XXXXXXXX provided : Required written notice of charge-off Right to dispute validation under XXXX XXXX Potential Identity Theft ( FCRA 605B ) If this account was opened without my knowledge, I demand : Copies of original application documents Fraud investigation Legal Demands : Immediate deletion of this account from all credit files Full documentation of : Complete payment history Fee/interest charge breakdown Charge-off notice Confirmation no adverse information will reappear Failure to properly investigate within 30 days will result in : CFPB complaint for FCRA violations XXXX  Attorney General complaint Potential legal action for statutory damages ( XXXX XXXX XXXX XXXX per violation ) 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 2025-04-08 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : FORMAL DISPUTE OF INACCURATE XXXX XXXX  ACCOUNT ( # XXXX ) - FCRA 611 DEMAND To Whom It May Concern : I am writing to formally dispute inaccurate information regarding the above-referenced XXXX XXXX account under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). This letter serves as notice to all three major credit reporting agencies simultaneously. 

Account Details in Dispute : Creditor : XXXX XXXXXXXX Account # : XXXX Status : Charged Off ( {$460.00} ) Reported Balance : {$460.00} Credit Limit : {$300.00} Last Payment Date : XX/XX/XXXX Specific Disputes : Mathematically Impossible Balance ( FCRA 607 ( b ) ) The reported XXXX b a l a n c e e x c e e d s t h e XXXXbalanceexceedstheXXXX credit limit by 155 %, indicating either : a ) Unauthorized fees/interest charges, or b ) Reporting errors Incomplete Payment History ( FCRA 623 ( a ) ( 5 ) ) The payment history shows inconsistent " CO '' ( charge-off ) codes without : Proper dates Amounts charged off Supporting documentation Improper Charge-Off Reporting ( FDCPA 807 ( 8 ) ) No evidence XXXX XXXXXXXX provided : Required written notice of charge-off Right to dispute validation under XXXX XXXX Potential Identity Theft ( FCRA 605B ) If this account was opened without my knowledge, I demand : Copies of original application documents Fraud investigation Legal Demands : Immediate deletion of this account from all credit files Full documentation of : Complete payment history Fee/interest charge breakdown Charge-off notice Confirmation no adverse information will reappear Failure to properly investigate within 30 days will result in : CFPB complaint for FCRA violations XXXX  Attorney General complaint Potential legal action for statutory damages ( XXXX XXXX XXXX XXXX per violation ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 demand the removal of student loan accounts listed on my credit report in accordance with the Family Educational Rights and Privacy Act ( FERPA ). Under FERPA, my education records are protected from unauthorized disclosure without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
{$4200.00} said owed but the account was opened fraudulently.

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 2025-04-08 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: CA

Complaint narrative:
I am requesting the removal of an outdated address from my consumer credit report. The address [ XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ] is no longer my residence and is inaccurately associated with a debt. I have spoken with debt collectors regarding this account and have informed them that this debt is either not mine or has already been resolved.

Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The credit reporting agency is legally required to conduct a reasonable investigation and correct or remove any unverifiable or inaccurate information within 30 days This outdated address and the associated debt are harming my credit and do not reflect my current or accurate financial history. I am requesting that this address be removed, and that any account linked to it that can not be verified be deleted 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 2025-04-08 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: FL

Complaint narrative:
I am demanding the immediate deletion of a previously disputed, fraudulent account. I never received written notification of the dispute results, which violates the Fair Credit Reporting Act ( FCRA ). FTC REPORT # XXXX FTC ATTACHED. 

MOHELA / XXXX XXXX XXXX

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