vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-10 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: UT

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax, XXXX, and XXXX for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting.

Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices.

Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with Equifax, XXXX, and XXXX. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: UT

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax, XXXX, and XXXX for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting. 
Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices.

Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with Equifax, XXXX, and XXXX. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by TransUnion, XXXX, and XXXX regarding the account [ ACCOUNT # ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : TransUnion reports {$620.00}, XXXX reports {$0.00}, and XXXX reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information.

Conflicting " Date of Last Activity '' ( DLA ) : TransUnion lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ).

Missing " Closed Date '' Information : TransUnion lists the account as closed on XX/XX/XXXX, but XXXX and XXXX fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ).

Erroneous Payment History Reporting : XXXX 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting XXXX, XXXX, and XXXX lates. 

XXXX 's late payment history conflicts with XXXX 's reporting, creating additional inaccuracies.

These errors violate 611 ( a ) ( 1 ) ( A ).

Inconsistent Credit Limit Reporting : TransUnion and XXXX list a credit limit of {$600.00}, but XXXX lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ).

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

[ XXXX XXXX ] XX/XX/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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX  De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX, Experian, and XXXX regarding the account [ ACCOUNT XXXX ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : XXXX reports {$620.00}, Experian reports {$0.00}, and XXXX reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information. 

Conflicting " Date of Last Activity '' ( XXXX ) : XXXX lists XX/XX/XXXX, Experian lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ). 

Missing " Closed Date '' Information : XXXX lists the account as closed on XX/XX/XXXX, but Experian and XXXX fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ). 

Erroneous Payment History Reporting : Experian 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting XXXX, XXXX, and XXXX lates. 

XXXX 's late payment history conflicts with Experian 's reporting, creating additional inaccuracies. 

These errors violate 611 ( a ) ( 1 ) ( A ). 

Inconsistent Credit Limit Reporting : XXXX and Experian list a credit limit of {$600.00}, but XXXX lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ). 

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

[ XXXX XXXX ] XX/XX/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 2025-01-10 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 filled XXXX disputes XXXX for XXXX XXXX on XX/XX/year> ie XXXX XXXX who now has the account in their office. I spoke with XXXX XXXX and sent a dispute letter. XXXX XXXX sent me a letter of deletion from their office, but when I disputed with Experian it still remains on my credit report I sent a letter asking for the method of investigation when it came back verified and got no response even after I sent a letter stating asking for method of verification. XXXX XXXX XXXX has recently shown back up on my credit report negatively after previously being corrected on my credit file.

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 2025-01-10 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: NY

Complaint narrative:
Hello, I have been having a really difficult time getting my credit report properly updated and have gone through months of disputing errors and balances that have been paid off with XXXX, XXXX and transunion. I've made the disputes online, called, sent the disputes with proof of receipts, bank statements and even pay off notices and the disputes are coming back unchanged. XXXX has even removed my paid off balances and then posted them back. This has decreased my score XXXX points and once it was removed again it only increased it XXXX points. They just decreased my score again XXXX points without any reason. I still have yet to get an account updated to {$0.00} balance even after supplying all credit bureaus with the information. XXXX says the disputes are resolved within 2-4 days even when those days are holidays and weekends. The furnishers have stated directly they are NOT being contacted by the bureaus regarding these disputes and they are reporting the appropriate balances. I have no idea what to even do anymore, this has become beyond stressful and frustrating. I would really love for someone to look into these investigations and help me resolve they errors that are severely impacting my life and future. I'm willing to provide all forms of proof of investigations, any and all documents that were submitted, etc.the most recent dispute that I've submitted several times with all bureaus I have provided bank statements, receipts and the pay off notices. I have attached that notice here. I have 100s of pages of proof of these falsely " investigated '' disputes, unfortunately I can't attached everything as it won't allow me to due to the document sizes. If they were even looked at it is very clear this information is incorrect. Not only this, but all of them have extreme variations on the information. For example, XXXX says I have no late payments on a past loan with XXXX and transunion and XXXX posted 6-9 " late payments '' for the account over a year after the fact even when the account was paid off early and was never late. This has yet to be resolved. 29 page documents and evidence was sent to both of the bureaus with no resolution. I can't even write enough to explain all of the issues and frustrations, I'm trying to by a house but this will never happen if this continues.

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 2025-01-10 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: NY

Complaint narrative:
Hello, I have been having a really difficult time getting my credit report properly updated and have gone through months of disputing errors and balances that have been paid off with Experian, XXXX and transunion. I've made the disputes online, called, sent the disputes with proof of receipts, bank statements and even pay off notices and the disputes are coming back unchanged. XXXX has even removed my paid off balances and then posted them back. This has decreased my score XXXX points and once it was removed again it only increased it XXXX points. They just decreased my score again XXXX points without any reason. I still have yet to get an account updated to {$0.00} balance even after supplying all credit bureaus with the information. XXXX says the disputes are resolved within 2-4 days even when those days are holidays and weekends. The furnishers have stated directly they are NOT being contacted by the bureaus regarding these disputes and they are reporting the appropriate balances. I have no idea what to even do anymore, this has become beyond stressful and frustrating. I would really love for someone to look into these investigations and help me resolve they errors that are severely impacting my life and future. I'm willing to provide all forms of proof of investigations, any and all documents that were submitted, etc.the most recent dispute that I've submitted several times with all bureaus I have provided bank statements, receipts and the pay off notices. I have attached that notice here. I have 100s of pages of proof of these falsely " investigated '' disputes, unfortunately I can't attached everything as it won't allow me to due to the document sizes. If they were even looked at it is very clear this information is incorrect. Not only this, but all of them have extreme variations on the information. For example, Experian says I have no late payments on a past loan with XXXX and XXXX and XXXX posted 6-9 " late payments '' for the account over a year after the fact even when the account was paid off early and was never late. This has yet to be resolved. 29 page documents and evidence was sent to both of the bureaus with no resolution. I can't even write enough to explain all of the issues and frustrations, I'm trying to by a house but this will never happen if this continues.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ON OR ABOUT XX/XX/XXXX I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED UNUSUAL ACTIVITY FROM ALOT OF INQURIES THAT I DID NOT HAVE NOT HAVE ANY KNOWLEDGE OF AND DID NOT AUTHORIZE AND IS IDENTIY THEFT, THE INQURIES ARE AS FOLLOWED I ALSO FILED AN FTC REPORT SINCE TRANSUNION IS NOT BEING HELPFUL IN REMOVING THESE FROM MY REPORT : 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 PLEASE I NEED IMMEIDATE DELETION OF THESE INQURIES FROM MY REPORT

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : 1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, Georgia XXXX Thank you, 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 2025-01-10 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: OH

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2025-01-10 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: OH

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I never gave consent for the credit bureaus to share my information

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