vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 

There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 

Two-Year Payment History : ( XXXX ) NO HISTORY REPORTING FOR TRANSUNION XXXX : XXXX XXXX XXXX : ( 2 ) 60 DAY LATE ( WHICH IS 120 DAYS ) WITHIN ( 2 ) CONSECUTIVE MONTHS ( WHICH IS 60 DAYS ). HOW IS THIS POSSIBLE? 
TransUnion : NO HISTORY REPORTING FOR TRANSUNION I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( 2 ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE 2 DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$0.00} TransUnion : {$250.00} Last Verified : ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/XXXX Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Closed Date : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/XXXX Credit Limit : ( XXXX ) CREDIT LIMIT SHOULD BE {$0.00} XXXX : {$200.00} TransUnion : {$200.00}

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 2025-01-25 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: VA

Complaint narrative:
TRANSUNION 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 My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 

There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 

Two-Year Payment History : ( XXXX ) NO HISTORY REPORTING FOR TRANSUNION XXXX : XXXX XXXX XXXX : ( 2 ) 60 DAY LATE ( WHICH IS 120 DAYS ) WITHIN ( 2 ) CONSECUTIVE MONTHS ( WHICH IS 60 DAYS ). HOW IS THIS POSSIBLE? 
TransUnion : NO HISTORY REPORTING FOR TRANSUNION I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE XXXX DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$0.00} TransUnion : {$250.00} Last Verified : ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/XXXX Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Closed Date : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/XXXX Credit Limit : ( XXXX ) CREDIT LIMIT SHOULD BE {$0.00} XXXX : {$200.00} TransUnion : {$200.00}

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Fraudulent, inaccurate information consists of credit cards, best buy /CBNA acct # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is being reported by XXXX , XXXX and XXXX  . I do not recognize the aforementioned accounts or collection accounts. These accounts that are being reported by XXXX, XXXX and XXXX were not made, initiated or opened by me, these aforementioned accounts are a result of identity theft and fraud.

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 2025-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint to address the continued reporting of an unverified and inaccurate debt on my credit report by Experian.Despite my efforts to resolve this issue through disputes and providing supporting documentation, the debt remains inaccurately reported, causing unnecessary harm to my credit profile. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX ( b ), which requires the removal of unverified or inaccurate information. 

Supporting Evidence : Documentation from XXXX XXXX, XXXX, confirming that the account was closed and collection efforts ceased as of XX/XX/2024. 
Documentation from XXXX XXXX XXXX, acknowledging their inability to validate the debt. 

These documents are attached for your reference.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate late payment information listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report. Upon careful review of my recent credit reports from Equifax, XXXX, and XXXX, I noticed several late payments that are incorrectly reported. I request an immediate investigation and correction of these inaccuracies. 
Here are the details of the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX  ) o Reported late payments : 30 days ( XX/XX/2024), 60 days ( XX/XX/2024 ), 90 days (XX/XX/2024 ), 120 days ( XX/XX/2024 ), and 150 days ( XX/XX/2024 ). 
o Payment records show consistent and timely payments during the reported period. 
2. XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) o Reported late payments : 30 days ( XX/XX/2024 ), 60 days ( XX/XX/2024 ), and 90 days ( XX/XX/2024 ). 
o Payment history does not support these claims.

3. XXXX XXXX Late Payment ( XXXX Report ) o Account balance : {$510.00} o Reported late payments associated with this balance, updated on XX/XX/2024, are incorrect. 
4. XXXX XXXX Late Payment ( XXXX Report ) o Account balance : {$610.00} o Reported late payments associated with this balance, updated on XX/XX/2024, are also incorrect. 
I respectfully request that the incorrect information be verified with the creditor or removed promptly from my credit report. 
Additionally, I ask that you provide written confirmation of the resolution of this dispute. If you require further information, feel free to contact me Thank you for your attention to this matter. I look forward to your prompt response, as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: OH

Complaint narrative:
Experian has failed to fulfill its obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend disputed accounts, as Experians inaction violates federal law and my rights 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-01-25 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: VA

Complaint narrative:
I have disputed 2 separate accounts with XXXX XXXX multiple times. I keep getting back account is verified with no other explanation or findings.

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 2025-01-25 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: WA

Complaint narrative:
Previous complaint was submitted regarding an account that was charged off in 2020 due to COVID-19 status. Company acknowledged the account was charged off, but continues to report as an open installment account on all credit bureaus. Company used manipulative wording in their response, citing obligation to pay loan regardless of charged off status. I began repaying the loan monthly 12 months ago and continue to do so. So paying is not the issue. There are no issues with the interest rate either. Per the FCRA, a charged off loan should not be reporting as an open installment account, thus not accurately reporting. The account need to refer on my credit report as charged off, not open. I dont understand what is so hard about this.

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 2025-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Village Capital & Investment LLC
State: SC

Complaint narrative:
I was approved for a refinancing loan 6 months ago with Village Capital Investment. I requested to have the loan application for a streamline refinancing and I was approved. However, my wife received an email stating that the loan could not be approved in my state ( South Carolina ). I feel that my equal credit opportunity has been violated or damaged my creditworthiness. This violates credit report - FCRA 15 USC. -1681 ( B ), also,15 USC . 181 ( N ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FlexShopper, Inc
State: GA

Complaint narrative:
Flexshopper LLC was an account on my report for collections, it was set to fall off my credit this XXXX. However it fell off and then reappeared on my credit score. It's infuriating and frustrating. The collection account states it was opened in XXXX of XXXX that information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding accounts are accurate, without providing any evidence of a thorough investigation or documentation provided from the inaccurate accounts. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( Case Number : XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The FCRA requires credit reporting agencies to conduct thorough reinvestigations and provide clear proof of account validity. Your repeated failure to comply with these obligations has caused harm to my creditworthiness. The accounts in question are : XXXX XXXX XXXX XXXX Account XXXX XXXX Despite my previous disputes and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you continue to report unverifiable information. Your claim of electronic verification is not sufficient under the law, as no physical documentation from the original creditors has been provided to substantiate these accounts.

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 2025-01-25 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: NE

Complaint narrative:
I am writing to file a formal complaint regarding the actions of the 3 major credit bureaus and their failure to comply with the requirements of U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit report has been impacted by negligent actions, errors, and inaccuracies in violation of the FCRA, specifically under 1681o, and these violations have been associated with multiple accounts. These accounts, which are linked to inaccurate or outdated information, have been incorrectly reported on my credit file, negatively impacting my credit score and overall financial standing. Despite my attempts to resolve these issues with the credit bureaus, no satisfactory action has been taken to correct these discrepancies. This failure to correct the inaccuracies constitutes a violation of 1681o, as the credit bureaus are negligently noncompliant with the requirements to maintain accurate information in consumer credit reports. 
As a consumer, I am entitled to accurate credit reporting, and these violations of the FCRA have caused harm to my credit and, by extension, my ability to obtain credit under reasonable terms. I respectfully request that the CFPB investigate the negligent noncompliance of the credit bureaus, ensure that they are held accountable for the violations under U.S. Code 1681o, and assist in the correction of the inaccurate information associated with my accounts.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax has a significant drop in my score for no reason. This absolutely makes no sense at all and seems a lot like discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ADDRRSSES ARE LISTED IN MY CREDIT REPORT IN ERROR AS THEY DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMIDIATELY AS IT IS HARMING MY FININCIAL WELL BEING

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