vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
Since we know the credit reporting agencies never contacted the FTC to verify the underlying facts alleged in your identity theft affidavit, they will fail disclose the source of their initial verified response, and will be forced to either delete all contested items from the credit report they maintain or compensate you for all credit denials attributable to the contested items in question for willful noncompliance and negligent noncompliance with the FCRA 611 ( 15 U.S.C. 1681I ).

A ) ( 1 ) A person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to the IRS canceled debt, gross ordinary income does not get reported on the consumer report. According to 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights 15 usc 1681 ( a ) 2 and a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt collection Practices Act 15 U.S.C 1692 has violated my rights. Please update my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Need closed account that are showing paid, closed removed from all three credit bureaus completely

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 2025-04-14 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:
Need closed account that are showing paid, closed removed from all three credit bureaus completely

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 2025-04-14 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/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. 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!

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 2025-04-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
This is the continuation of an unresolved matter regarding the loans XXXX XXXX XXXX  applied originally through XXXX XXXX. These loans were not valid due to false master promissory notes. On the master promissory note it states these loans are federal loans yet XXXX XXXX XXXX and XXXX continued to sale these loans to different collectors when the loan was not valid. Debt collection agencies confirmed these loans are not valid and stopped collecting. CFPB has copy of the master promissory notes here and all of these are documented already. Recently the debt was sold to a new debt collector with additions of heavy interests and I been receiving many calls and texts from a new debt collector named, Williams and Fudge Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am writing to file a complaint regarding a 30-day late payments ( Three ) reported on my credit reports- Account beginning with # XXXX. The late payment occurred in XXXX, XXXX and XX/XX/2020 and I it was caused by temporary financial hardship due to the COVID-19 Pandemic. Since then, I have worked diligently to stay current with all payments and have maintained a positive payment history. I am in the process of purchasing a home, and this late payment is significantly affecting my ability to secure favorable loan terms.

I have contacted Capitol One and requested a goodwill adjustment for this late payment but have not received a satisfactory resolution. I am asking for your help in removing this late payment from my credit report. At the time ( 2020 ) Capital One did not offer proper relief during pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
I'm getting emails stating my federal loans are past due and that I need to log in to view statements or make a payment. When I attempt to log in the system does not recognize my credentials. When I click on forgot username and enter my personal information the system does not recognize me. I've been attempting to call the past couple of weeks and the wait times are 4+ hours. I'm stuck in this endless loop with no way to contact MOHELA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
PENNYMAC LOAN SERVICES LLC AND XXXX XXXX XXXX XXXX ARE in direct violation of : 45-102. Pre-foreclosure notice for home loans.

At least 45 days prior to the filing of a notice of hearing in a foreclosure proceeding on a primary residence, mortgage servicers of home loans shall send written notice by mail to the last known address of the borrower to inform the borrower of the availability of resources to avoid foreclosure, including : ( 1 ) An itemization of all past due amounts causing the loan to be in default.

( 2 ) An itemization of any other charges that must be paid in order to bring the loan current.

( 3 ) A statement that the borrower may have options available other than foreclosure and that the borrower may discuss available options with the mortgage lender, the mortgage servicer, or a counselor approved by the U.S. Department of Housing and Urban Development.

( 4 ) The address, telephone number, and other contact information for the mortgage lender, the mortgage servicer, or the agent for either of them who is authorized to attempt to work with the borrower to avoid foreclosure.

( 5 ) The name, address, telephone number, and other contact information for one or more HUD-approved counseling agencies operating to assist borrowers in North Carolina to avoid foreclosure.

( 6 ) The address, telephone number, and other contact information for the State Home Foreclosure Prevention Project of the Housing Finance Agency. ( 2008-226, s. 1 ; 2010-168, ss. 1, 9 ; 2012-79, s. 2.17 ( a ), ( g ). ) There is no evidence of any notice of foreclosure or default prior to XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-14 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing to formally dispute the inaccurate and potentially unlawful reporting by Navy Federal Credit Union to XXXX ( Account # : XXXX ) and XXXX ( Account # : XXXX ). 

Navy Federal Credit Union has reported a charge-off to my credit reports, yet I have never received a 1099-C ( Cancellation of Debt ) notice as required by the IRS and federal law if the debt has been forgiven or cancelled. If the debt was not forgiven, then it must still be considered collectible, in which case the charge-off status is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

Violations and Grounds for Dispute : 1. FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher of information shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

2. FCRA 623 ( a ) ( 2 ) : The creditor must correct and update information that is determined to be inaccurate or incomplete.

3. FCRA 623 ( b ) : After receiving notice of a dispute from a consumer reporting agency, the furnisher must investigate the disputed information and report the results to the credit bureau.

4. 15 U.S. Code 1681n and 1681o : Civil liability for willful or negligent noncompliance, including actual damages, attorneys fees, and statutory damages up to {$1000.00} per violation.

Requested Action : I am requesting that the CFPB initiate an investigation into this matter and compel Navy Federal Credit Union to : Provide a copy of the 1099-C form, if one was issued.

Immediately correct or remove the charge-off reporting from XXXX  and XXXX, as it is either inaccurate or incomplete.

Cease reporting this account until the dispute is fully resolved.

If this issue is not resolved promptly, I will pursue legal action for statutory damages under FCRA and any applicable state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit and it is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I need you to make sure all this information is 100 % correct. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
XX/XX/year>2022, fraudulent court papers filed saying I was served in person and papers were posted where accessible by me, which is false, violated lease agreement, refused my rental payment threatened to sue, put eviction on my credit, affecting my credit score that has gone from XXXX to XXXX, violated my freedom of speech ( said I used curse words on property and then retaliated with a 3 day notice, but refused my payment ) have court paper screenshot of false filing and delivery of said being sued notice. Was also basically undermined and called dumb saying they know more about the rental and court procedures than I do. Stated i don't reside in the same county was false ( fraudulent ) document info as well. The confluence apartments use and have used scare tactics against residents, during and after covid. They have falsely filed these court documents and have owed rental dates wrong as well. They have intentionally tried to ruin my credit and livelihood and have at this moment. They need to be reported and investigated for things like this as I'm sure they have done this to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-14 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-15 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: MI

Complaint narrative:
Ive reach out to the credit bureaus to verify the collections I have on my credit report from experien inc, they havent verified any of the collections its my right to ask for verification and validation of this collections, under u.s code 1681 section 7

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 2025-04-14 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: PA

Complaint narrative:
I am writing to formally dispute the inaccurate and potentially unlawful reporting by XXXX XXXX XXXX XXXX to XXXX ( Account # : XXXX ) and Experian ( Account # : XXXX ). 

XXXX XXXX XXXX XXXX has reported a charge-off to my credit reports, yet I have never received a 1099-C ( Cancellation of Debt ) notice as required by the IRS and federal law if the debt has been forgiven or cancelled. If the debt was not forgiven, then it must still be considered collectible, in which case the charge-off status is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

Violations and Grounds for Dispute : 1. FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher of information shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

2. FCRA 623 ( a ) ( 2 ) : The creditor must correct and update information that is determined to be inaccurate or incomplete.

3. FCRA 623 ( b ) : After receiving notice of a dispute from a consumer reporting agency, the furnisher must investigate the disputed information and report the results to the credit bureau.

4. 15 U.S. Code 1681n and 1681o : Civil liability for willful or negligent noncompliance, including actual damages, attorneys fees, and statutory damages up to {$1000.00} per violation.

Requested Action : I am requesting that the CFPB initiate an investigation into this matter and compel XXXX XXXX XXXX XXXX to : Provide a copy of the 1099-C form, if one was issued.

Immediately correct or remove the charge-off reporting from XXXX and Experian, as it is either inaccurate or incomplete.

Cease reporting this account until the dispute is fully resolved.

If this issue is not resolved promptly, I will pursue legal action for statutory damages under FCRA and any applicable state laws.

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