vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: CO

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA
State: PA

Complaint narrative:
Today XX/XX/year> I check my credit score on experian and noticed my credit went down XXXX points. And on experian website I saw it was due to mohela reporting my account delinquent over 180 days. I had called them today XX/XX/year> at XXXX am est to get in contact with them. Die to the fact I never received any communication that my loan would be coming out of forbearance. Which did not give me adequate time to pay a monthly payment. They did not send any mailing, or they did not email, or call me. I was on hold for 45 minutes before I reached an operator and when I told them what happened they said they have to transfer me to the credit team. I was on hold for an additional 55 minutes until a person picked up and then they hung up. I had called a second time and reached an operator in about another 40 minutes and got transferred again and waited about 40 minutes for someone on the credit team. They had my correct information but failed to send me notification of my student loan going into forbearance. In accordance with the fair credit reporting act this creditor had violated my rights. Under 15 us c 1681 section 602. States I have the right to privacy. 15 us c 1681 section 604 a. It also states consumer reporting agency can not furnish an account with out my written instructions. Under 15 us c 1666 b. A creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. As well Section 611 Under 15 U.S. Code 1681i, Mohela is legally required to : Investigate your dispute.

Fix or delete inaccurate or unverifiable information within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
I negotiated to settle a debt in XX/XX/year> with XXXX XXXX on behalf of CKS Prime Investments LLC. They stated they would delete the account from my report within 30 days of my payment clearing. I have disputed on my credit report several times and talked to the company XXXX financial and they all keep telling me CKS needs to correct it and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I called XXXX in XXXX of XXXX  as I was struggling to make these payments. They did not offer me any options so I had no choice but to pay them late. Sometimes the payments were XXXX days late. I noticed on my statements that the late fees they were charging me were not the same each month. They varied anywhere from $ XXXX {$470.00}. I called later on to ask about this because I was concerned I would have to pay this in addition to the payments which would break me financially. I was told they would not be due until I turned the car in. At this point, they have accumulated to XXXXXXXX XXXX XXXX. I was also told over the phone that they were charging me a percentage while I was late and that I signed a contract agreeing to these terms. I was unaware that these were the terms when I signed and found them to be predatory In the statements, you will see the different charges for late fees. I have uploaded as many statements as I can, but it will not allow me to upload anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NE

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is a formal request for debt validation regarding an alleged debt you claim I owe. I am requesting full validation and verification of the alleged debt under my rights as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide me with the following information : The amount of the alleged debt, including a complete itemization of the original balance, any interest, fees, payments made, and the current balance claimed. 
The name and address of the original creditor, along with the original account number. 
A copy of the original signed contract or agreement that demonstrates my legal obligation to pay the debt. 
A copy of the assignment, bill of sale, or other transfer agreement that grants XXXX XXXX XXXX the legal right to collect this alleged debt. 
Proof that XXXX XXXX XXXX is licensed to collect debts in the State of Illinois, including your collection agency license number. 
Please also indicate whether this alleged debt is within the statute of limitations for collection in the State of Illinois. 

Until you provide full and complete validation as requested, you are required to cease all collection activities, including reporting the alleged debt to any credit reporting agencies. Reporting invalid or unverifiable information to the credit bureaus violates the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

If you are unable to provide the requested documentation within 30 days of receipt of this letter, I respectfully request that you immediately cease all collection efforts and permanently remove any reference to this alleged debt from my credit reports. This letter is not an admission of liability for any alleged debt and is not a promise to pay. It is a formal dispute and request for validation under federal law. Thank you for your prompt attention to 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 2025-04-11 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: IL

Complaint narrative:
This is a formal request for debt validation regarding an alleged debt you claim I owe. I am requesting full validation and verification of the alleged debt under my rights as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide me with the following information : The amount of the alleged debt, including a complete itemization of the original balance, any interest, fees, payments made, and the current balance claimed. 
The name and address of the original creditor, along with the original account number. 
A copy of the original signed contract or agreement that demonstrates my legal obligation to pay the debt. 
A copy of the assignment, bill of sale, or other transfer agreement that grants XXXX XXXX XXXX the legal right to collect this alleged debt. 
Proof that XXXX XXXX XXXX is licensed to collect debts in the State of Illinois, including your collection agency license number. 
Please also indicate whether this alleged debt is within the statute of limitations for collection in the State of Illinois. 

Until you provide full and complete validation as requested, you are required to cease all collection activities, including reporting the alleged debt to any credit reporting agencies. Reporting invalid or unverifiable information to the credit bureaus violates the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

If you are unable to provide the requested documentation within 30 days of receipt of this letter, I respectfully request that you immediately cease all collection efforts and permanently remove any reference to this alleged debt from my credit reports. This letter is not an admission of liability for any alleged debt and is not a promise to pay. It is a formal dispute and request for validation under federal law. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: OH

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX XXXX ( XXXX  ) to request a payment extension because I was between jobs and set to begin a new job on XX/XX/XXXX. During the call, a XXXX  representative offered me a payment extension and instructed me to complete and return an electronic agreement using a secure link sent to my email. I completed the necessary paperwork with my mother the very next day and submitted it via the same secure link, as instructed. I even called a week or so later to make sure they received everything as I was receiving collection calls. I was told not to worry and everything was approved, but the manager still had to fix the account. 

The document clearly stated that electronic signatures are an acceptable method of submission. Despite following all directions and submitting the extension agreement on time, XXXX claims they never received the paperwork. As a result, they have reported my account as 30 days past due, which is both inaccurate and harmful to my credit. 

I have made every reasonable effort to comply with XXXX  instructions, and I am requesting that this error be corrected immediately. The delinquency should be removed from my credit report as I was acting in good faith and fulfilled my end of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

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 2025-04-11 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:
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 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 2025-04-11 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:
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 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 2025-04-11 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: GA

Complaint narrative:
I have identified serious billing errors under XXXX XXXX XXXX XXXX ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my TransUnion credit report regarding late payments allegedly associated with my student loan accounts serviced by XXXX. 

TransUnion is currently reporting XXXX or more late payments on these accounts. However, this information is false and damaging to my credit profile. Attached to this letter is official documentation from XXXX, clearly stating that any late payment reporting is an error and should not appear on my credit report. 

The Aidvantage letter confirms that my accounts are in good standing and that any late payment data should be corrected or removed immediately. This error violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused unnecessary harm to my creditworthiness. 

I respectfully request that TransUnion promptly investigate and remove all incorrect late payment notations associated with my student loan accounts, and update my credit report accordingly. 

Attached : XXXX from XXXX confirming the reporting error XXXX of the relevant section of my TransUnion credit report Thank you for your immediate attention to this matter. I expect a written confirmation once the correction has been made.

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 2025-04-11 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief