vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I have sent out multiple dispute letters to Experian & Equifax as well as filed disputes with the CFPB concerning there failure to conduct a proper investigation & reinvestigation into the inaccurate account on my credit report ( CB INDIGO/CCI ACCT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXUnder ( FCRA ) 15 USC 1681s ( B ) they have failed to maintain the accuracy of my credit report.15 USC 1681i ( 5 ) failure to properly reinvestigate disputes & remove inaccurate information.15 USC 1681 c ( C ) inclusion of obsolete information in my credit report.This issue has significantly impacted my ability to access credit, Housing, & employment opportunities as well as causing me financial & emotional distress.As a result of experian & Equifaxs non-compliance my credit score rermains inaccurate, affecting my ability to secure Loans or housing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
I am sending this complaint to formally dispute an inaccurate late payment reported on my credit report for my mortgage account with XXXX XXXX ( Account number : XXXX ), which was reported as a late payment.

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 2025-02-04 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: MD

Complaint narrative:
I am sending this complaint to formally dispute an inaccurate late payment reported on my credit report for my mortgage account with XXXX XXXX ( Account number : XXXX ), which was reported as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
I am writing to formally file a complaint against Equifax for their ongoing failure to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests to Equifax, their responses have been consistently inadequate and do not comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that consumer reporting agencies conduct reasonable investigations of disputes.

The inaccuracies on my credit report have persisted despite my best efforts to resolve the issues directly with Equifax. In each instance, Equifax has responded within XXXX hours, asserting that the accounts in question are accurate. However, they have not provided any supporting evidence of a thorough investigation or verification of the disputed information, which is a direct violation of my rights as outlined in the FCRA. This lack of due diligence undermines the integrity of the credit reporting process and harms consumers like myself. 

I would also like to highlight that Equifaxs actions may be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as XXXX practices appear to be unlawful and abusive in nature, as indicated in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.

Given the persistent failure to investigate my disputes in a reasonable and legal manner, I am requesting that the CFPB take appropriate action to ensure that Equifax complies with federal laws, including both the FCRA and CFPA. Specifically, I am requesting that Equifax be held accountable for their failure to conduct proper investigations and provide consumers with the necessary documentation to prove their findings. 

These Accounts below are inaccurate Account XXXX : XXXX Account XXXX Account 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 2025-02-04 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:
I am writing to formally file a complaint against Equifax for their ongoing failure to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests to Equifax, their responses have been consistently inadequate and do not comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that consumer reporting agencies conduct reasonable investigations of disputes.

The inaccuracies on my credit report have persisted despite my best efforts to resolve the issues directly with Equifax. In each instance, Equifax has responded within XXXX hours, asserting that the accounts in question are accurate. However, they have not provided any supporting evidence of a thorough investigation or verification of the disputed information, which is a direct violation of my rights as outlined in the FCRA. This lack of due diligence undermines the integrity of the credit reporting process and harms consumers like myself. 

I would also like to highlight that Equifaxs actions may be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as XXXX practices appear to be unlawful and abusive in nature, as indicated in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.

Given the persistent failure to investigate my disputes in a reasonable and legal manner, I am requesting that the CFPB take appropriate action to ensure that Equifax complies with federal laws, including both the FCRA and CFPA. Specifically, I am requesting that Equifax be held accountable for their failure to conduct proper investigations and provide consumers with the necessary documentation to prove their findings. 

These Accounts below are inaccurate Account XXXX : XXXX Account XXXX Account 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 2025-02-04 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: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been tled to request pursuant t0 FCRA {$6000.00} ( 15 U.S.C. $ 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the resut of identy tieft and fraud within 4 business doyS of you recelving this compiant ThiS fraudufent, inaccurate. and faise information consists of accounts from 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 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 2025-02-04 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have requested XXXX in XXXX and XXXX XXXX XXXX XXXX and LVNV Funding LLC provide validation for this account. Each time, the companies has failed to provide the required debt validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g within the 30-day period and when they finally responded on XX/XX/year>, I did not receive the following information as requested. 

When a consumer disputes an account and requests debt validation, the company or debt collector is legally required to provide documentation proving the debt is valid. If they fail to do so within 30 days, they must cease all collection efforts until proper validation is provided. If not, the account must be removed from your credit reports. 

Required Debt Validation Documentation, but not limited to : 1. Proof of the Debt : - A copy of the original signed contract or agreement that created the debt.

- Documentation showing a breakdown of the balance, including principal, interest, fees, and any other charges.

2. Creditor Information : - Proof that the creditor legally transferred or assigned the debt to a collection agency ( if applicable ).

3. Payment and Account History : - A detailed record of payments made and how the balance was calculated.

- Evidence of late fees, interest, or penalties added to the account.

4. Legal Authority to Collect : - Documentation proving that the company attempting to collect has the legal right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
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 : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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.

15 U.S.C. 1681B ( 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 2025-02-04 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: NY

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 : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-02-04 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:
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 has violated my rights. 

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.

15 U.S.C. 1681B ( 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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The collection agency are waiting for the credit bureaus to delete collections off my records and all three credit bureaus are refusing to delete collections off off 605B it is illegal to report anthing on my credit report without my permissionCreditPlense remove this negative To Whom It May Concern ], This letter serves as formal notice that you must immediately cease and desist from engaging in the following activities that are in violation of [ state relevant laws, rights, or agreements ] : Description of the Issue [ Clearly outline the conduct or behavior you wish to stop. Be specific, e.g., unauthorized use of copyrighted materials, defamatory statements, or harassment. ] Explanation of Violation [ Briefly explain why the behavior or action is unlawful, harmful, or inappropriate. Cite any laws, agreements, or rights being infringed, if applicable. ] This conduct has caused and continues to cause harm, including but not limited to [ list any damages or harm suffered, such as financial loss, reputational damage, or emotional distress ]. 

Demand I demand that you immediately deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am reaching out regarding my mortgage account due to serious concerns about my ability to make payments and the handling of my account. While I had fallen behind, I was actively working to catch up. However, I recently noticed that the option to make payments online was removed. Additionally, when I contacted customer service, I was informed that single-month payments would not be accepted, despite being only XXXX months behind. 

To stay on track, I submitted a payment through my bank, yet it has not been posted to my account. As a result, my account now reflects a more delinquent status than it should. This situation appears to be a deliberate effort to add unnecessary fees and penalties to my loan, making it even more difficult for me to catch up. I find these actions to be deceptive and, at the very least, predatory in nature. 

Furthermore, when I have previously attempted to discuss this matter with customer service representatives, I was met with dismissive and inappropriate remarks, including a suggestion to sell my personal belongings. This response is not only unhelpful but also deeply concerning. 

I am requesting immediate clarification on the following : The status of the payment I submitted through my bank. 
The reinstatement of my ability to make payments online. 
Available options for resolving this issue and ensuring my account reflects accurate payment information. 
I expect a prompt and transparent resolution to this matter. If necessary, I am prepared to escalate my concerns to the appropriate regulatory authorities. Please advise on how I can move forward as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Transunion failed to perform an investigation and delete the disputed information. 

XXXX ACCOUNT 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 2025-02-04 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:
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX  account XXXX

Company response to consumer: Closed with non-monetary relief