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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against TransUnion LLC due to their continued and willful reporting of multiple inaccurate and unverifiable accounts on my credit file. These disputes have been raised several times through certified written correspondence and the Consumer Financial Protection Bureaus dispute platform. Despite these efforts, TransUnion refuses to remove the accounts in questioneven after XXXX, another major credit bureau, permanently deleted one of the same accounts after determining that it was unverifiable and failed to meet legal standards for reporting. 

The accounts I am disputing with TransUnion include the following : XXXX XXXX XXXX XXXX XXXX  XXXX / Account # XXXX XXXX XXXX XXXX XXXX/ Account # XXXXXXXX XXXX  / Account # XXXX TransUnion has consistently claimed, both through representatives and supervisors, that my mailed disputes were not received. However, their responses via the CFPB portal confirm that they were, in fact, received. This pattern of dismissive behavior reflects intentional stall tactics, a bad faith effort to avoid reinvestigation, and a willful refusal to comply with federal law. Under Section 623 of the Fair Credit Reporting Act, this conduct constitutes defamation and willful injury to my personal and financial character. 


The case of XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ), established that credit reporting agencies can not merely relay disputes to data furnishers but must conduct meaningful reinvestigations. TransUnion 's exclusive reliance on the automated E-OSCAR system fails to meet the legal standard required under 15 U.S.C. 1681i. 

The XXXX case further reinforced that credit reporting agencies must follow " reasonable procedures to assure maximum possible accuracy '' per 15 U.S.C. 1681e ( b ), beyond merely accepting a furnisher 's verification. 

Additionally, an FTC opinion letter by XXXX states that credit reporting agencies and furnishers can not continue reporting accounts that haven't been properly verified. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) confirmed that once notified of inaccuracies, credit reporting agencies must conduct proper reinvestigations and correct errors or face liability for continued reporting of inaccurate information. 

TransUnion has failed to produce documentation, verify information through lawful means, or validate debts as required under Section 809 ( b ) of the Fair Debt Collection Practices Act. This conduct directly contravenes the established legal precedents regarding a consumer reporting agency 's reinvestigation obligations.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
monthly payments to my student loan are going towards interest only

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally express my deep dissatisfaction with my recent experience with XXXX XXXXXXXX XXXX XXXX. This situation has caused significant emotional distress, financial strain, and unjust damage to my credit report. 

Over 30 days ago, I filed a dispute regarding a 90-day delinquency placed on my account and subsequently reported to the credit bureaus. Despite the time elapsed, I have received no formal response or resolution. I find this level of customer service unacceptable and negligent. I finally took it upon myself to call again and was told that the dispute had already been closed. I never received this information. 

For context, I had Auto Pay set up on my XXXX  loan account since opening it roughly 8 years ago, when it was serviced by XXXX XXXX. I had never missed a payment. When the account was transferred to XXXX, I reasonably assumed that my $ XXXX  monthly Auto Pay would continue uninterrupted, especially since there had been multiple payment pauses due to COVID-19, hurricane relief, and federal administrative deferments. 

When repayment randomly resumed, I was unaware that my Auto Pay did not reactivate. As a result, I unknowingly missed three small payments totaling only {$150.00}. The first notice I received of any issue was a sudden and drastic drop in my credit score from XXXX to XXXX due to the reported delinquency. This has severely impacted my ability to secure housing, at a time when I am XXXX XXXX XXXX and preparing to move my growing family into a new home. 

I contacted XXXX immediately upon discovering this error, only to be told there is nothing that can be done. I find this deeply troubling. It was a reasonable assumption that Auto Pay would continue upon the transfer of servicing, especially given the length of the payment pause. This is clearly a first-time issue, resulting from miscommunication and system transition, not willful negligence on my part. 

I am requesting : 1. Immediate removal of the delinquency from my credit report.

2. A formal written response to the dispute I submitted over 30 days ago.

3. An apology and clarification of your process regarding Auto Pay and transitions between loan servicers. 

This situation has caused undue hardship and emotional distress during a critical time in my life. I urge you to take responsibility and correct this injustice promptly.

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: 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: LA

Complaint narrative:
TransUnion, These accounts are not mine as stated before. The company can not provide an original signed contract of this debt, which your investigation and re-investagation should have discovered. 
This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights! I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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 2025-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this formal dispute to report inaccurate and inconsistent information being reported by the credit reporting agencies regarding my closed XXXX XXXX account ( Account # : XXXX ). 

This account was legally settled and paid in full for less than the original balance as of XX/XX/XXXX. However, Equifax is still reporting the account as Derogatory with a {$0.00} balance and a last activity date of XX/XX/XXXX, which is inaccurate. Additionally, Experian is listing the payment status as Unknown and showing a high credit of {$0.00}, which does not accurately reflect my usage. Only TransUnion appears to be reporting the account accurately as Paid with the correct high credit and settlement details. 

I am requesting that the CFPB assist in the following corrections : Update the account status with Equifax from Derogatory to Paid or Closed Settled. 

Correct the high credit and credit limit fields to reflect accurate information across all bureaus. 

Update the payment status on Experian from Unknown to the accurate settled status. 

Ensure all bureaus reflect the correct Date of Last Activity ( XX/XX/XXXX ) and Date of Last Payment ( XX/XX/XXXX ). 

A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account thank you.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this formal dispute to report inaccurate and inconsistent information being reported by the credit reporting agencies regarding my closed XXXX XXXX account ( Account # : XXXX ). 

This account was legally settled and paid in full for less than the original balance as of XX/XX/XXXX. However, Equifax is still reporting the account as Derogatory with a {$0.00} balance and a last activity date of XX/XX/XXXX, which is inaccurate. Additionally, Experian is listing the payment status as Unknown and showing a high credit of {$0.00}, which does not accurately reflect my usage. Only TransUnion appears to be reporting the account accurately as Paid with the correct high credit and settlement details. 

I am requesting that the CFPB assist in the following corrections : Update the account status with Equifax from Derogatory to Paid or Closed Settled. 

Correct the high credit and credit limit fields to reflect accurate information across all bureaus. 

Update the payment status on Experian from Unknown to the accurate settled status. 

Ensure all bureaus reflect the correct Date of Last Activity ( XX/XX/XXXX ) and Date of Last Payment ( XX/XX/XXXX ). 

A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo to stop a payment I had just made to XXXX after realizing within 30 minutes that they had denied me access to their service. I was told the transaction couldnt be stoppedeven though it hadnt officially posted yetand that they would open a dispute on my behalf over the phone. 

On XX/XX/XXXX, I checked my account portal and saw that my dispute had been denied on XXXX XXXXjust a few days after filing. I realized the claim had been closed in less than 10 business days, indicating that it was not properly investigated. 
So I followed up the same day by phone and sent an email along with documentation, including : Email communication with Flex A screenshot of their policy Payment confirmation A written statement explaining that XXXX took my payment but denied me access to the service, without refund or warning. 

I was told was told it would take up to two business days for my dispute reinvestigation request to be reviewed by their team and officially reopened. On XX/XX/XXXX, I checked my portal and saw the claim had been reopened. However, by XX/XX/XXXX the claim was already closed againmeaning the entire reinvestigation took less than two business days, especially since the weekend fell on XX/XX/year>. The dispute was closed again without receiving a proper investigation or any response or clear reason for the closure. This shows a lack of effort and flexibility on their part to assist a customer who was misled.

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: FL

Complaint narrative:
Subject : Demand for Immediate Verification and Rectification of Erroneous Data on My Credit Report Resulting from Suspected Fraudulent Conduct Dear Sir/Madam, I hereby demand compliance with the regulations outlined in the Fair Credit Reporting Act ( FCRA ), namely sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ). It is imperative that you promptly validate and expunge the erroneous late payment data that has been erroneously documented on my credit profile. 

The accounts in question are as follows : Creditor NamXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Late Payment Date : XX/XX/year> XXXX

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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: 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instance of late payments on my account which I have always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. It is my imperative that the information being reported with accuracy. I have never missed a payment on the following account [ XXXX ] [ XXXX XXXX XXXX XXXX ] I request a thorough investigation into these discrepancies and request that you provide evidence such as statements demonstrating these late payments if you arent able to provide proof I demand that these payments are promptly updated to reflect their true status as on time as Ive upheld my obligation of on time payments without delay

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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: MO

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation