vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
This account is for a medical debt originally incurred in XXXX. It is now being reported by XXXXXXXX XXXX XXXXXXXX as newly opened in XX/XX/XXXX, with a status that falsely implies the debt became delinquent recently. This is not accurate, and it is causing harm to my XXXX XXXX by making the debt appear more recent than it truly is. 

This is not a new debt. It has been sold or transferred multiple times, and each new collector including XXXXXXXX XXXX XXXXXXXX reported a new open date instead of using the original delinquency date. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605 ( c ), which requires that the original delinquency date from the original creditor be used for reporting purposes. 

I am requesting that this account be deleted from my credit report, as it is inaccurately re-aged and misleading. This is part of an ongoing pattern where this same {$1300.00} debt is being re-reported by different XXXX using false timelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I rehabilitated my student loan from default in XXXX. Since then, I have NEVER missed a monthly payment. XXXX 's records indicate I only rehabilitated in XXXX when the Department of Education assigned them to me as my student loan processor. Neither XXXX or the Department of Education can locate my Master Promissory Note or the payments I've made in the years XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-18 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: OH

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: AL

Complaint narrative:
On XX/XX/year> I logged Into my experian account and noticed XXXX fraudulent unauthorized inquiries.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: CT

Complaint narrative:
The application process asked if I had a felony conviction in the last XXXX years .. My response was no. First Advantage failed me and deemed me ineligible due to a felony violation from XXXX years and XXXX months ago. I have lost wages from jobs that exclude felons. My complaint is that I do not meet those standards because I have almost XXXX years. furthermore, I complained to HR and XXXX XXXX, and neither claims responsibility for the errorXXXX XXXX XXXX position is for XXXX years or less.in addition i was sentanced in XXXX but i was given XXXX years jail credit that goes back to the original arrest date which is mat XXXX XXXX this makes it almost XXXX years. please fix this mixup

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 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 2025-04-18 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: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Check and Go XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Written-off Debt from Credit Report Dear Check and Go I hope this letter finds you well. I am writing regarding the account associated with XXXX and to request the removal of the debt that was previously written off by Check and Go as evidenced by the 1099-C form issued for this debt.

According to my records, the debt in question was discharged and canceled by Check and Go, and I received a 1099-C form ( Cancellation of Debt ) for the tax year [ Year ] indicating that the debt was indeed written off. Under federal law, specifically the Internal Revenue Code, the cancellation of a debt is recognized as income for tax purposes, and the debt is no longer legally owed after it has been written off. 
Given that this debt was written off, I kindly request that you remove any reference to this debt from my credit report, as it no longer represents an active or valid financial obligation. The U.S. Fair Credit Reporting Act ( FCRA ) mandates that inaccurate, outdated, or unverifiable information must be removed from a consumer 's credit file. As the debt has been XXXX and the 1099-C form has been filed, this should not appear in my credit history.

Please confirm in writing within 30 days that this debt has been removed or provide an explanation for any further action that may be needed on my part.

Thank you for your prompt attention to this matter. If you need any additional documentation, including the 1099-C form or other supporting materials, I am happy to provide them. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: PA

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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App Is Being Sued And I Would Like My Funds As I Do Use Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
Id Theft victim. Had personal information stolen. It appears several accounts were opened in my name and now I'm trying to remove these things.

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 2025-04-18 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: IL

Complaint narrative:
Id Theft victim. Had personal information stolen. It appears several accounts were opened in my name and now I'm trying to remove these things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
XXXX XXXX, acting as a third-party data platform, improperly handled my private data without lawful consent, shared data with unauthorized parties without a valid contract under FCRA 1681b and 1681e ( b ), and failed to secure my information as required by law. I submitted a formal administrative notice and requested immediate correction, but I received only automated, non-substantive responses without remedy. The company did not properly investigate nor provide the requested validation. This constitutes negligence, breach of duty, improper use of consumer reports, and a violation of federal consumer protection laws. Immediate administrative remedy and deletion of unauthorized information is demanded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
XXXX XXXX, acting as a third-party data platform, improperly handled my private data without lawful consent, shared data with unauthorized parties without a valid contract under FCRA 1681b and 1681e ( b ), and failed to secure my information as required by law. I submitted a formal administrative notice and requested immediate correction, but I received only automated, non-substantive responses without remedy. The company did not properly investigate nor provide the requested validation. This constitutes negligence, breach of duty, improper use of consumer reports, and a violation of federal consumer protection laws. Immediate administrative remedy and deletion of unauthorized information is demanded.

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 2025-04-18 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: FL

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 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 2025-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX  and its Insurance Loss Draft Department for their continued and unjustified delay in releasing my insurance claim disbursement funds, which are critical for completing necessary repairs to my home following a covered loss. 

Despite the fact that the inspection has already been completed and all necessary documentation has been provided, XXXX XXXX  has refused to release the remaining insurance proceeds. I have made repeated attempts to follow up, provide any requested documentation, and comply with their internal procedures. However, the company continues to delay payment, offering vague explanations and excuses that shift over time without providing any clear timeline or resolution. 

This withholding of funds is preventing the full repair of my property and is placing my home, finances, and well-being at risk. As the mortgage servicer, XXXX XXXX  has a duty to act in good faith and ensure that disbursed insurance funds are used promptly and properly for the restoration of insured property. Instead, I have been subjected to repeated delays, poor communication, and what appears to be a willful obstruction of the claims process. 

I am requesting that this matter be investigated immediately and that XXXX XXXX  be compelled to release the remaining insurance funds without further delay so that I may proceed with completing the repairs on my home. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

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 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 2025-04-18 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: CA

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

Company 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I initially contacted Truist bank on XX/XX/XXXX for a Lien Release of a vehicle which I had previously paid off in XXXX. I was transferred between several departments, and they said they would get back to me, though they never did. 

I called again on XX/XX/XXXX and went through a nearly identical process. I was initially transferred to the XXXX Department XXXX XXXX XXXX XXXX ). They mentioned they needed help from the Closed Loan Department, but never connected me with someone from this team, as they said they had no way of contacting this team. This time they told me to send and email to XXXX with my car registration, name of account holders, vehicle State and XXXX, name of the bank ( in this case XXXX XXXX XXXX which merged to form Truist ), and my current address and phone number. I have yet to hear back, though I just sent this email.

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