vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX 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 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 reported in to be removed. 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. XXXX, XXXX XXXX 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! Delete 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 2025-04-26 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-04-25 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: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-26 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: FL

Complaint narrative:
Subject : Final Demand for Immediate Update or Permanent Deletion of Student Loan Account Legal Notice of Intent Dear Credit Reporting Agencies, This letter is being sent on behalf of XXXX XXXX to demand immediate action regarding an inaccurately reported student loan account that continues to appear on all three credit reports despite prior notice and submission of documentation showing that the account has been updated and resolved. 

All three credit bureaus have failed to reflect the proper status of this account, which has caused serious harm to XXXX XXXX XXXX credit standing. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, as well as XXXX XXXX right to accurate and verifiable reporting. 

Despite providing proof of the accounts update, none of the agencies have corrected or deleted the information. Due to your inaction and gross negligence : XXXX has been denied a mortgage loan, delaying his ability to secure a home. 

He has also been denied financing for a vehicle, severely impacting his ability to earn and maintain daily responsibilities. 

He has suffered emotional stress, anxiety, embarrassment, and financial instability due to false credit reporting. 

DEMAND FOR IMMEDIATE ACTION : Update the student loan account immediately to reflect the correct status or permanently delete the account from all three bureaus within XXXX hours of receiving this notice. 

Provide a complete copy of investigation logs and verification procedures under FCRA 611 ( a ) ( 7 ). 

Compensate XXXX XXXX in the amount of {$25000.00} for damages, broken down as follows : Emotional distress and mental suffering : {$7500.00} Denial of home loan and vehicle loan : {$10000.00} Harm to creditworthiness and financial disruption : {$7500.00} Failure to respond within the specified XXXX period will result in immediate legal escalation, including a lawsuit for damages, legal fees, and injunctive relief, as well as formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General.

This is the final opportunity to resolve this issue amicably and without legal consequences. You are now on notice. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
Subject : Dispute of Inconsistent Reporting for the Same Account To Whom It May Concern, I am writing to dispute inaccurate and inconsistent information appearing on my credit report regarding the same account being reported with conflicting details. This discrepancy violates the accuracy and integrity provisions outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. 

Below are the account details in question : Creditor Name : XXXX XXXX Account Number : XXXX * * * * Inconsistencies Noted : Closing Date varies between credit bureaus Account Status reported as closed on XXXX report and open on another payment history differ Loan Type differ This inconsistent reporting is damaging to my creditworthiness and misrepresents my credit history. I am requesting that your bureau investigate this matter and remove it from my credit report Please conduct your investigation within the 30-day window required by law and notify me in writing of the outcome. Enclosed are copies of my ID, Social security car, copy of Transunion credit report, Equifax and Experian credit report screenshot. 

If this matter is not resolved appropriately, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may seek legal recourse for any harm caused. 

Sincerely, XXXX XXXX Enclosures : Copy of ID Social Security Card Screnshot of Equifax/experian Copy of highlighted Transunion errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
Subject : Dispute of Inconsistent Reporting for the Same Account To Whom It May Concern, I am writing to dispute inaccurate and inconsistent information appearing on my credit report regarding the same account being reported with conflicting details. This discrepancy violates the accuracy and integrity provisions outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. 

Below are the account details in question : Creditor Name : XXXX XXXX Account Number : XXXX * * * * Inconsistencies Noted : Closing Date varies between credit bureaus Account Status reported as closed on XXXX report and open on another payment history differ Loan Type differ This inconsistent reporting is damaging to my creditworthiness and misrepresents my credit history. I am requesting that your bureau investigate this matter and remove it from my credit report Please conduct your investigation within the 30-day window required by law and notify me in writing of the outcome. Enclosed are copies of my ID, Social security car, copy of Transunion credit report, Equifax and Experian credit report screenshot. 

If this matter is not resolved appropriately, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may seek legal recourse for any harm caused. 

Sincerely, XXXX XXXX Enclosures : Copy of ID Social Security Card Screnshot of Equifax/experian Copy of highlighted Transunion errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against SPRING OAKS CAPITAL agency that has placed a collection on my consumer report without adhering to the legal requirements outlined in federal law. Below are the specific violations I believe have occurred : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have reported a collection account on my consumer report, which is unlawful without proper validation. 2. Lack of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the ability to contest the validity of the debt before reporting it is a clear violation of my consumer rights. 3. Misleading and Deceptive Practices : The collection agency has employed false, misleading, and deceptive means in their attempts to collect the debt. This is a violation of federal law, which prohibits such practices when interacting with consumers. 4. Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has no authority to furnish any account information to consumer reporting agencies without first providing all required disclosures. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which mandate specific procedures and disclosures before a debt can be reported to credit bureaus. I request that the CFPB investigate these violations and take appropriate action to ensure that my consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-25 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: LA

Complaint narrative:
I have tried to dispute the erroneous account on my report since XX/XX/year>, each time the account has come back verified.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX  XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 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 XXXXXX/XX/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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian, Equifax and Transunion continue to erroneously report payments to my Shellpoint Mortgage account ending in XXXX as late or delinquent during the following month : Equifax - XX/XX/XXXX & XX/XX/XXXX Experian - XXXX XXXX Transunion - XXXX XXXX I was approved for a deferment on XX/XX/XXXX by Shellpoint that brought all of my past-due and outstanding payments current. No payment was owed in XX/XX/XXXX. 

Additionally, I entered into a repayment plan with XXXX on XX/XX/XXXX that allowed all past due amounts to be repaid over a XXXX period. All repayment plan payments were current from XX/XX/XXXX until XX/XX/XXXX, the repayment plan was satisfied in full and the account has had no delinquencies since. Attached are copies of my deferment agreement and repayment agreement with XXXX. 

I have contacted Experian, Equifax and Transunion to correct these errors, with no success and each incorrect delinquency continues to negatively affect my credit report. I would like all three credit bureaus to remove the delinquencies and update my credit report accurately. Thank you.

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 2025-04-25 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: GA

Complaint narrative:
Experian, Equifax and Transunion continue to erroneously report payments to my Shellpoint Mortgage account ending in XXXX as late or delinquent during the following month : Equifax - XX/XX/XXXX & XX/XX/XXXX Experian - XXXX XXXX Transunion - XXXX XXXX I was approved for a deferment on XX/XX/XXXX by Shellpoint that brought all of my past-due and outstanding payments current. No payment was owed in XX/XX/XXXX. 

Additionally, I entered into a repayment plan with XXXX on XX/XX/XXXX that allowed all past due amounts to be repaid over a XXXX period. All repayment plan payments were current from XX/XX/XXXX until XX/XX/XXXX, the repayment plan was satisfied in full and the account has had no delinquencies since. Attached are copies of my deferment agreement and repayment agreement with XXXX. 

I have contacted Experian, Equifax and Transunion to correct these errors, with no success and each incorrect delinquency continues to negatively affect my credit report. I would like all three credit bureaus to remove the delinquencies and update my credit report accurately. Thank you.

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 2025-04-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Block, Inc.
State: GA

Complaint narrative:
WOW!! WHERE DO I START!! I XXXX XXXX XXXX THIS COMPANY GOES OUT OF BUSINESS THIS YEAR!!! THIS IS THE WORST COMPANY KNOWN TO MAN!! THEY ARE RUNNING A SCAM RIGHT IN FRONT OF FACES!!!! FIRST THEY WILL APPROVE YOUR ACCOUNT THEN SOON AS YOU MAKE A TRANSACTION THEY WILL ASK FOR ALL THESE DOCUMENTS JUST TO DENY YOU AND KEEP YOUR HARD EARN MONEY SAYING THEY WILL SEND IT TO YOU 6 MONTHS LATER!!! WHY ASK FOR ALL THOSE DOCS AFTER YOU APPROVED SOMEONE ACCOUNT AND THEY START MAKING MONEY WHY NOT BEFORE??????? SCAM!!!! WE NEED TO COME TOGETHER COLLECTIVELY AND BRING THIS COMPANY DOWN AND LET THEM FEEL OUR PAIN OF SOMEONE TAKING MONEY OUT THEIR POCKETS!!!! THE CEO SHOULD BE ASHAMED AND HELD ACCOUNTABLE CRIMINALLY FOR FRAUD!!!!! I WILL NOT STOP UNTIL THIS COMPANY IS NO LONGER EXISTING. YOU CAN CHANGE THE NAME OF THE COMPANY ALL YOU WANT BUT I WILL DEDICATE MY LIFE OF BRINGING THIS COMPANY DOWN! GOOD LUCK FRAUDSTERS SQUAREUP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief