vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
My account with 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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Brightfunders, LLC
State: FL

Complaint narrative:
XX/XX/year>, XXXX XXXX XXXX began processing our home refinance. Everything was going fairly smooth even through the documents were not matching what they said our loan would be. ( Example ) Agent said if we move quickly we should be able to get the first two months waived, which basically means the monies are just put on the backend of the loan. His first quote after the paperwork was submitted was not accurate, because the next documents showed around {$100.00} more monthly, These however just a tactic that most mortgage companies use to get you to pay for the appraisal quickly. 
Our complaint however is regarding the low appraisal, which cost us from closing the load, I have called the agents manager over a dozen times to reach out tp XXXX XXXX the parent company of the appraiser, and they have done nothing. this has costed us {$750.00}. A hit on our credit report, Stress. I have researched and reviewed several errors on our appraisal from the appraisal agent who apparently is still under the training label! 

XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has repeatedly and unlawfully reinserted XXXX unauthorized XXXX XXXX Bank accounts ( ending in XXXX and XXXX ) onto my credit report since XX/XX/XXXX, again in XX/XX/XXXX, and most recently on XX/XX/XXXX each time without providing the required written notice within XXXX business days, as mandated under FCRA XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 

These accounts were previously disputed and deleted, which Equifax acknowledged. Reappearing again without my knowledge or consent especially after multiple removals is a blatant violation of federal consumer protection laws. 

I have retained evidence of these reinsertions and can prove the timeline. Equifax has shown a willful pattern of noncompliance, causing harm to my credit score, my financial opportunities, and interfering with critical transactions. This is a clear abuse of consumer reporting practices and constitutes reckless disregard for FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( XXXX  ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-04-21 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: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$840.00} Open Date XX/XX/XXXX XXXX XXXX BA Balance {$170.00} Open Date XX/XX/XXXX XXXX Balance {$2400.00} Open Date XX/XX/XXXX I XXXX XXXX Balance {$280.00} Open Date XX/XX/XXXX XX/XX/XXXXBalance {$130.00} Open Date XX/XX/XXXX I XXXX  XXXX  Balance {$76.00} Open Date XX/XX/XXXX Inquiries XX/XX/XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XXXX XXXX, XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  FINANCI Date XX/XX/XXXX COAF Date XX/XX/XXXX XXXX  CRE Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX COAF Date XX/XX/XXXX CPS Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX F Date XX/XX/XXXX XXXX  CRE Date XX/XX/XXXX XXXX  CA Date XX/XX/XXXX XXXX AUTO Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX SXXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX 2023

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT  YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I disputed the following inaccurate accounts on my credit report. 
XXXX XXXX Bank - Account XXXX Charged Off Date : XX/XX/XXXX XXXX  XXXX Bank - Account XXXX Charged Off Date : XX/XX/XXXX XXXX XXXX XXXX -Account XXXX Charged Off Date : XX/XX/XXXX XXXX XXXX XXXX Account XXXX Charged Off Date : XX/XX/XXXX XXXX - Account XXXX On XX/XX/XXXX, I filed my dispute, and since the XXXX XXXX XXXX Bank Accounts has been updated to Consumer disputes this information without conducting any investigation or providing me with evidence that a XXXX was issued. 
Under IRS Regulations ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ), any creditor that writes off any debt must issue a form XXXX ( Cancellation Of XXXX ) to the debtor and report it to the IRS. This document serves as evidence that the debt has been cancelled and should no longer be legally collectible. As of XX/XX/XXXX they did not provide any documentation or furnished any documents regarding any of the above inaccurate accounts. 
I have attached copies of my dispute confirmation and the credit report screenshot showing the consumer disputes notation. 
XXXX requesting that CFPB direct the bureaus to either ( a ) provide proof of the issued XXXX ( Cancellation Of Debt ) ( b ) delete the inaccurate accounts from my credit report immediately. 

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I disputed the following inaccurate accounts on my credit report. 
XXXX XXXX Bank - Account XXXX Charged Off Date : XX/XX/XXXX XXXX  XXXX Bank - Account XXXX Charged Off Date : XX/XX/XXXX XXXX XXXX XXXX -Account XXXX Charged Off Date : XX/XX/XXXX XXXX XXXX XXXX Account XXXX Charged Off Date : XX/XX/XXXX XXXX - Account XXXX On XX/XX/XXXX, I filed my dispute, and since the XXXX XXXX XXXX Bank Accounts has been updated to Consumer disputes this information without conducting any investigation or providing me with evidence that a XXXX was issued. 
Under IRS Regulations ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ), any creditor that writes off any debt must issue a form XXXX ( Cancellation Of XXXX ) to the debtor and report it to the IRS. This document serves as evidence that the debt has been cancelled and should no longer be legally collectible. As of XX/XX/XXXX they did not provide any documentation or furnished any documents regarding any of the above inaccurate accounts. 
I have attached copies of my dispute confirmation and the credit report screenshot showing the consumer disputes notation. 
XXXX requesting that CFPB direct the bureaus to either ( a ) provide proof of the issued XXXX ( Cancellation Of Debt ) ( b ) delete the inaccurate accounts from my credit report immediately. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Since XX/XX/year>, HSA Bank has had continuous problems maintaining a connection on their website with my health insurance provider. This continuous connection is required by my insurance provider in order for them to provide the employer-contributions to my HSA that are promised. I have contacted both my insurance provider several times and HSA Bank multiple times a month regarding this issue. I am now due XXXX months of contributions as well as an " opening account '' gift from the insurance provider. my insurance provider is unable to make the contributions unless the account connection stays active continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  XXXX Balance {$2800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$550.00} Open Date XX/XX/XXXX FIRST XXXX BANK Balance {$410.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$190.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$470.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$17.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1500.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance {$4100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$51.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$10000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$5800.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX & XXXX XXXX XXXX {$1500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$910.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$630.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$560.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$440.00} Open Date XX/XX/XXXX XXXX & XXXX XXXX XXXX {$310.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX  Date 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, a customer service representative named XXXX informed me that my mortgage escrow account had been affected by another customer 's homeowner 's insurance being incorrectly applied to my loan. She assured me that the issue would be resolved. 

On XX/XX/XXXX, I received an email from XXXX XXXX stating that the issue had been resolved and included an apology for the inconvenience. However, I continue to receive late notices and credit alerts from New American Funding, which suggests that the issue has not been fully corrected. 

Ive had to repeatedly call and re-explain the situation to multiple representatives. During my most recent call, I spoke with a representative named XXXX, who, after initially resisting, quietly told me his supervisors name was XXXX but did not offer a clear resolution or follow-up path. 

This ongoing issue is affecting my escrow balance, my monthly mortgage payment, and my peace of mind. Im requesting that my XXXX  account be reviewed and corrected using the correct homeowners insurance, and that I receive written confirmation of the updated analysis and resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 
Account Name : XXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$94000.00} Account Name : XXXX BANK Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6400.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$23000.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$53000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$38000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$330.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$53000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} EXPERIAN INQUIRIES XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief