vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX, I filed a dispute. Claim ( XXXX ) regarding issues dealing with my updated information and credit file. I have supplied this information NUMEROUS TIMES, including via certified mail. I will NOT KEEP PROVIDING THE SAME DOCUMENTS REPEATEDLY, and keep receiving stall notices. The FCRA ( 15 U.S.C. 1681i ) requires resolution within XXXX days, a deadline you have exceeded as of XXXX XXXX. This delay has caused me financial damages such as higher interest rates and loan denials by the lateness. If this issue is not resolved by XXXX XXXX from receipt ], I intend to pursue legal action under the FCRA for actual and statutory damages, punitive damages and including attorneys fees under 15 U.S.C. 1681n ( WILLFUL NON COMPLIANCE or 1681o ( Negligent non compliance. Please address this matter immediately. 
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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts. Please remove these accounts as they are harming my ability to obtain credit.

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 2025-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: TX

Complaint narrative:
the company will call, they usually start the conversation off with this call is try and collect on a debt, this is on a recorded line. then i get asked for my name, birthdate, and adress. i give that information, then caller says we can not continue this phone call due to misinformation. but the calls continue i answer and get the same response every call.

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 2025-05-21 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: TX

Complaint narrative:
Account # XXXX amount {$10000.00} Account # XXXX amount {$280.00} Account # XXXX amount {$1500.00} Account # XXXX amount {$1000.00} Account # XXXX amount {$300.00} Account # XXXX amount {$9300.00} Account # XXXX amount {$1700.00} Account # XXXX amount {$250.00} am disputing the accuracy of this information for the following reasons : I do not believe this account was correctly reported. 
There may be an error in the amount, status, or reporting of the account. 
I request documentation verifying the validity of this debt and how it was reported. 

Action Requested : I respectfully request that this account be investigated and that the incorrect information be corrected or removed from my credit file as appropriate under the Fair Credit Reporting Act ( FCRA ). Please provide a written statement confirming the results of your investigation. 

I have enclosed a copy of my credit report with the item in question highlighted for your review. 

Thank you for your time and assistance. I look forward to your prompt resolution of this matter.

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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account # XXXX amount {$10000.00} Account # XXXX amount {$280.00} Account # XXXX amount {$1500.00} Account # XXXX amount {$1000.00} Account # XXXX amount {$300.00} Account # XXXX amount {$9300.00} Account # XXXX amount {$1700.00} Account # XXXX amount {$250.00} am disputing the accuracy of this information for the following reasons : I do not believe this account was correctly reported. 
There may be an error in the amount, status, or reporting of the account. 
I request documentation verifying the validity of this debt and how it was reported. 

Action Requested : I respectfully request that this account be investigated and that the incorrect information be corrected or removed from my credit file as appropriate under the Fair Credit Reporting Act ( FCRA ). Please provide a written statement confirming the results of your investigation. 

I have enclosed a copy of my credit report with the item in question highlighted for your review. 

Thank you for your time and assistance. I look forward to your prompt resolution of this matter.

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 2025-05-21 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-21 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: NY

Complaint narrative:
Subject : Formal Dispute of Unverifiable Late Payment Reporting Under 15 U.S. Code 1666b To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my account with Ally Financial, account number [ XXXX ], as reflected in my credit report. 
Under 15 U.S. Code 1666b, a creditor is required to follow clear rules concerning the timing of payments and can not report payments as late unless those rules are properly followed. Furthermore, if a consumer disputes the accuracy or validity of a late payment, the creditor must be able to substantiate and verify the accuracy of such negative reporting. In this case, you have reported late payments that are unverifiable and therefore in violation of federal law. 
To date, I have requested documentation to verify the accuracy and validity of these reported late payments. However, no such verification has been provided. Under the Fair Credit Billing Act and in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally obligated to investigate the dispute and remove any information that can not be verified. 
Accordingly, I am requesting the immediate deletion of all unverifiable late payment information associated with this account from my credit report. Please confirm this correction in writing within XXXX days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Subject : Formal Dispute of Unverifiable Late Payment Reporting Under 15 U.S. Code 1666b To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my account with Ally Financial, account number [ XXXX ], as reflected in my credit report. 
Under 15 U.S. Code 1666b, a creditor is required to follow clear rules concerning the timing of payments and can not report payments as late unless those rules are properly followed. Furthermore, if a consumer disputes the accuracy or validity of a late payment, the creditor must be able to substantiate and verify the accuracy of such negative reporting. In this case, you have reported late payments that are unverifiable and therefore in violation of federal law. 
To date, I have requested documentation to verify the accuracy and validity of these reported late payments. However, no such verification has been provided. Under the Fair Credit Billing Act and in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally obligated to investigate the dispute and remove any information that can not be verified. 
Accordingly, I am requesting the immediate deletion of all unverifiable late payment information associated with this account from my credit report. Please confirm this correction in writing within XXXX days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB CARD has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so JPMCB CARD does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: MO

Complaint narrative:
A request for mortgage assistance was submitted to Selene Finance. It gives you the option through the portal to upload documents. The document upload did not work, so the documents had to be emailed in. I submitted bank statements initially. XXXX weeks later I tried to call in to find out what was needed. They could not find the bank statements. They advised a letter was issued with what was needed. We had never received the letter, and they advised the bank statements were not received to the correct email address but they found them. I resent those statements, along with all other documentation on the letter. A couple days passed and I called back to request a status update. There was none, and they had to look for all of my documents again as they had not been uploaded to my file. I called back again a couple days later and was told they don't typically call anyone to update, but letters were sent out. They kept referring back to the original letter that I had already sent over the documentation from. Ultimately had to call back again. Call back on what was the last day of entering documents, and was then told the P & L needed to be signed, and the Bank statements needed to have the income circled. Those things were done, and sent back same day. That was the only thing needed I was told. I waited 2 days to call back today to find out that my loss request was closed due to all of the documentation not being submitted. I was told so many different things by different people that this was complete incompetency and mishandling of my filing. The fact that speaking to the same representative which is assigned to my file ( I never spoke to that person once ), and no management contact, and definitely no underwriter contact was ever made. The seriousness of handling a persons loss mitigation request is so mismanaged by this company it is ludicrous. This is a dire situation and time is of the essence with these filings. My home has now switched into foreclosure status since this has begun, and to say I am any further at this point would be reaching. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: UPGRADE, INC.
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AZ

Complaint narrative:
Once again, Experian has lowered ( as of XX/XX/year> ) my FICO score to XXXX WITHOUT just cause. My credit is PERFECT and has ALWAYS been so : no missed payments ; credit card balance paid in full monthly. ; no outstanding debts. I have never had a credit issue with any lender. It is impossible to contact Experian and get an explanation for the credit score decrease. None is ever offered and a stock answer is always provided in response to a complaint filed with the CFPB.

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 2025-05-21 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: NJ

Complaint narrative:
I am disputing the inaccurate and unauthorized reporting of an account by XXXX XXXXXXXX XXXX XXXX  ( Account Number : XXXX ) on my Experian credit report. Under the Fair Credit Reporting Act, credit reporting agencies must have a permissible purpose and, in many cases, my explicit written consent before reporting any consumer account information. The law specifically prohibits furnishing and reporting accounts without proper authorization. Experians reporting of this account without my authorization or a valid permissible purpose violates these legal requirements. Additionally, this account is not being reported by the other major credit bureaus, XXXX and XXXX, which further confirms the inaccuracy and unauthorized nature of this listing on my Experian report. Despite my efforts to resolve this, Experian has failed to remove this inaccurate and unauthorized information, demonstrating noncompliance with the Fair Credit Reporting Acts requirements to maintain reasonable procedures to ensure maximum possible accuracy and to promptly delete inaccurate or unauthorized information upon dispute. This incorrect reporting has caused significant harm to my credit standing, limiting my ability to secure credit, housing, and employment opportunities, and is adversely affecting my livelihood. I demand that Experian conduct a thorough reinvestigation, remove the unauthorized XXXX XXXXXXXX XXXX XXXX account from my credit report, and provide me with written confirmation of the removal along with an updated credit report. I expect Experian to fully comply with all Fair Credit Reporting Act requirements to protect my rights as a consumer and prevent further unauthorized 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