vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account 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. 


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 2025-03-18 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: NC

Complaint narrative:
I am submitting this complaint to formally dispute the presence of unauthorized and improperly reported information on my credit report. The information in question has been included in my credit file without my express written consent, in violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX, and I am requesting its immediate removal as required under XXXX XXXX. XXXX Legal Violations Violation of XXXX XXXX. XXXX Reporting Without My Consent The FCRA explicitly states that consumer reports can only be furnished for permissible purposes with the consumers express written consent I never provided any consent for this account to be reported on my credit file Since my authorization was never obtained, the reporting of this account is an unjustified violation of my rights under the FCRA Violation of XXXX XXXX. XXXX Unauthorized Information Must Be Blocked This section mandates that once a Federal Trade Commission XXXX FTC ) Identity Theft Report is submitted, the credit bureau XXXX XXXX the disputed information within XXXX ( XXXX ) business days of receiving the report The account in question was reported without my authorization, making it improper and unauthorized under the law and requiring immediate removal Unauthorized Information to Be Removed The following information has been reported on my credit file without my authorization and must be blocked and permanently removed immediately XXXX XXXX XXXX XXXX XXXX U.S.C. XXXX, I am exercising my legal right to request that this unauthorized information be blocked immediately from my credit report. The FCRA requires that this information must remain blocked for XXXX year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report Lack of Response and Harm Caused I have made multiple attempts to resolve this issue with the credit bureau, but my efforts have been ignored This unauthorized reporting has significantly impacted my financial standing, preventing me from securing housing and financial opportunities The accounts in question have already been removed by other credit bureaus, yet they remain in my file with your bureau, raising concerns about compliance with FCRA guidelines I have previously requested contracts or documentation proving that I provided consent for this reporting, yet after more than XXXX  days, I have received no response Requested Actions Immediate blocking and removal of the unauthorized account from my credit report Written confirmation that the disputed information has been deleted Assurance that this information will not be reinserted into my credit report in the future I have attached a copy of my report filed with the Federal Trade Commission ( FTC ), in which I report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
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 explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

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 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Equifax Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX AV XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX WAY, XXXX, FL, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; XXXX request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: MI

Complaint narrative:
I have tried to reach out to ALL financial several times and no response or reply from them. they have changed my account status on my credit report several times from current to charge off. i have discovered that XXXX XXXX has sold my account to a XXXX party, but has not reached out to me to discuss my account. I turned my lease back in to XXXX XXXX and never had a missed payment. I have sent this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This dispute is in continuance of complaint id ( XXXX ) and ( XXXX ). RESURGENCE recommended we give proof of filings and or reports of identity theft. 

I am writing to formally dispute account number XXXX linked to my name, XXXX XXXX. This letter serves as a final request for the immediate removal of the aforementioned account and any related information from your records. 

I have documented proof across multiple formats that I am a victim of identity theft, which has resulted in fraudulent activities linked to my name. I have been proactive in safeguarding my personal information, utilizing fraud protection services and placing freezes on my credit to mitigate further harm. 

It has come to my attention that your company illegally posted my consumer information while this matter was under investigation, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692, which protects consumers during the resolution of debt disputes. Additionally, your actions contravene UCC protection codes, which offer safeguards regarding the accuracy and validity of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: SC

Complaint narrative:
I am submitting this formal complaint under the Family Educational Rights and Privacy Act ( XXXX ), the Privacy Act of XXXX, and the Higher Education Act ( HEA ) regarding the unauthorized access of my student loan records by the Department of Government Efficiency ( DOGE ). 

As a federal student loan borrower from XXXX, I am deeply concerned about the unfettered access DOGE personnel reportedly had to borrower records without my consent or proper oversight. These violations put my personal, financial, and security-related information at risk. 
Privacy & Mental Health Impact I have been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, conditions that make it difficult to manage stress, uncertainty, and violations of my personal data security. The repeated breaches of federal borrower recordscombined with my complete lack of control over how my private information is accessed and usedhave significantly exacerbated my mental health symptoms, including : Severe anxiety related to identity theft and financial fraud risks. 
Increased difficulty concentrating and regulating stress, impacting my daily life. 
Persistent distress over the governments inability to protect my personal records. 

As someone with a cybersecurity background, I am highly aware of the risks associated with unauthorized access to personally identifiable information ( PII ). Given DOGEs access to federal student loan data, I have lost confidence that my loan records are secure or that my identity is adequately protected from misuse. 
Request for Immediate Action I am formally requesting the following : Full disclosure of whether my records were accessed by DOGE or affiliated personnel. 
Confirmation of what specific information was accessed. 
A review of security protocols to prevent further unauthorized access. 
Consideration of remedies, including loan discharge or damages, due to the privacy violations and their impact on my mental health. 

These breaches are not just regulatory failuresthey are direct violations of my rights under federal law, and they are causing me significant emotional distress. I expect a formal response outlining how my concerns will be addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-03-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
Hello my name is XXXX XXXX XXXX XXXX and I noticed these inaccuracies on my credit report in XXXX. Please remove it from my credit report immediately, Im a victim of identity theft and these accounts are not mine. XXXX and Equifax and not reporting these inaccuracies must be removed as soon as possible to correct my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX 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 2025-03-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-18 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: WI

Complaint narrative:
I only have XXXX address which is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: WI

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with XXXX XXXX, I formally request their removal within XXXX  days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

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 2025-03-18 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: NJ

Complaint narrative:
I am resending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove this entry immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the item you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed. XXXX XXXX XXXX Date Opened : XX/XX/year> {$0.00}

Company response to consumer: Closed with explanation