vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: DC

Complaint narrative:
A Cease and Desist was mailed to the following creditor until a further investigation is and has been complete with Bull City Financial Solutions , Inc on a collection that is presently being reported onto my credit report. Yesterday XXXX XXXX XXXX XXXX, XXXX, did state permission to contact/Cease and desist needed to be released to send the original service file document as I am requesting. Therefore, this is my official response to the statement and I, XXXX XXXX, Permit/grant and give Bull City XXXX XXXX XXXX to contact only if they can provide the original service file document confirming any and all debts delinquent and or derogatory that have been made and established directly with their company via and by email or mail first, per our recorded conversation. If not, this account has to be removed from the credit file permanently and immediately, Due to the date the first correspondence was sent. If the company does not comply with sending the original service file for this debt or a letter on XXXX XXXX letterhead stating that you do not have the original service files for this account you are reporting but you continue to report this account. Legal course will be filed and pursued against your company at once along with any foreseen damages before a state court because you failed to provide this information properly and timely and according to creditor/consumer laws. Thank you for your cooperation and I do look forward to receiving the requested original service file on this matter from your entity to further correct this matter appropriately. Please be aware that this is not a tactic or threat of any form. By law, I am required to have you prove this debt from your company and presume all rights to do so as you report this debt to my credit inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
This is a follow-up complaint regarding the inaccurate reporting of a late payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Past Due : {$0.00} * * on my Equifax credit report. Despite my initial dispute, this late payment remains inaccurately reported, reflecting a past due amount of XXXX dollars, which is both misleading and potentially harmful to my credit standing. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ), Equifax is legally required to ensure maximum possible accuracy in their credit reporting, including accurately reflecting account statuses and payment histories. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

Given this context, I am concerned that this late payment entry may not have been properly verified with the original creditor, potentially resulting in an unjust and inaccurate representation of my credit history. This ongoing inaccuracy has caused me significant financial harm, impacting my ability to secure fair lending opportunities and maintain a stable financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
The delinquent ( paid, closed ) account shown on my credit report ( XXXX ) was a result of COVID-19 crisis. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX, amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED, for 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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX Im unaware of this debt which I found out about it by getting a credit report. I did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If you cant provide this request delete the account XXXX XXXX XXXXXXXX XXXX as soon as possible from my report or I would be forced to take legal action. 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 explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
This is a follow-up complaint to ensure that the ongoing inaccuracies regarding late payments on my Equifax credit report are properly addressed, as my initial disputes remain unresolved and are still being processed by the CFPB. I am disputing the late payments associated with the following accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reflecting past due balances despite having XXXX-dollar balances, which is misleading and potentially harmful to my credit profile. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), Equifax is required to ensure the maximum possible accuracy of the information they report. Recent findings by the CFPB have also highlighted Equifaxs failure to conduct proper investigations, including the verification and correction of inaccurate account statuses. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ), Equifax is obligated to thoroughly investigate disputed items within 30 days and promptly correct or remove any inaccurate, incomplete, or unverifiable information. Failure to adhere to these requirements is a direct violation of federal law and a severe breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Subject : Formal Dispute Of Inaccurate Student Loan Reporting To whom it may concern, I am formally disputing the inaccurate reporting of Federal student loans on my credit report. the account falsely reflects payments being made for years, despite the fact that I have never made a single payment. this constitutes williful misinterpretation and a violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), which requires furnishers to report accurate information. additionally, per 15 U.S.C 1681b, I am requesting full verification Equifax, Experian, and Transunion have which 100 % make these accounts accurate which makes me responsible for, due to each oth them verifying these accounts as accurate. I am requesting the method of verification that was used to verify these accounts, also who did you interview? what did they say? what time did you speak? what date? what number did you call? also I am requesting the original promissory notes with my wet ink signature, a full payment history detailed where these alleged payments originated, and any contracts or agreements authorizing this reporting. Failture to provide these documents confirms that the information is unverifiable and must be removed per 15 U.S.C 1681 i ( a ) ( 5 ). if these accounts " XXXX '' can not be verified with the requested documentation it must be deleted immediately. continued false reporting or payments extends the life of this account beyond legal reporting limits, violating the FCRA. please provide a resolution in writing within the legally required time frame.

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 2025-05-14 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: IL

Complaint narrative:
Subject : Formal Dispute Of Inaccurate Student Loan Reporting To whom it may concern, I am formally disputing the inaccurate reporting of Federal student loans on my credit report. the account falsely reflects payments being made for years, despite the fact that I have never made a single payment. this constitutes williful misinterpretation and a violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), which requires furnishers to report accurate information. additionally, per 15 U.S.C 1681b, I am requesting full verification Equifax, Experian, and Transunion have which 100 % make these accounts accurate which makes me responsible for, due to each oth them verifying these accounts as accurate. I am requesting the method of verification that was used to verify these accounts, also who did you interview? what did they say? what time did you speak? what date? what number did you call? also I am requesting the original promissory notes with my wet ink signature, a full payment history detailed where these alleged payments originated, and any contracts or agreements authorizing this reporting. Failture to provide these documents confirms that the information is unverifiable and must be removed per 15 U.S.C 1681 i ( a ) ( 5 ). if these accounts " XXXX '' can not be verified with the requested documentation it must be deleted immediately. continued false reporting or payments extends the life of this account beyond legal reporting limits, violating the FCRA. please provide a resolution in writing within the legally required time frame.

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 2025-05-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name- XXXX  Creditor Address- XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Written Confirmation of Debt Write-Off To Whom It May Concern, I am writing to formally request written confirmation regarding the status of the following account, which is currently being reported as written off or charged off on my credit report : Creditor Name : XXXX  Account Number : XXXX Original Amount : {$3100.00} Date of Charge-Off- Not Known Please provide official documentation confirming that this debt has been written off or charged off from your records. If the debt has also been canceled or forgiven for tax purposes, please indicate whether a Form 1099-C ( Cancellation of Debt ) was issued and the date it was filed.

This documentation is necessary for my personal records and to clarify the current reporting of this account with the credit reporting agencies. 

I appreciate your timely response and assistance in providing this verification. Please feel free to contact me at the phone number or email address listed above if further information is needed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
Personal Statement I am a victim of identity theft, there are several accounts on my 3 credit reporting agencies that I didnt authorize or give anyone permission to open these fraudulent accounts. This has really affected my ability to move and or gain a good job to support my family with. XXXXXXXX XXXX  account number XXXX, XXXX XXXX XXXX  account number 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 non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
This is a follow-up complaint regarding the inaccurate reporting of late payments from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Past Due : {$0.00} * * on my Experian credit report. Despite my previous disputes, these accounts continue to reflect inaccurate late payment statuses, each showing a past due amount of XXXX dollars, which is not only misleading but also potentially harmful to my overall credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ), Experian is required to maintain the maximum possible accuracy of the information they report, including accurate representations of payment histories. 

The ongoing presence of these inaccurate late payments suggests that Experian may have conducted a superficial or incomplete investigation, failing to verify this information directly with the original creditors. This oversight exposes me to unnecessary financial harm, including reduced credit scores, higher interest rates, and potential loan denials. Given the significant impact that these inaccuracies can have on my financial stability, I find this lack of accurate reporting unacceptable.

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 2025-05-14 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:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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 AND XXXX 

Account XXXX : XXXX XXXX # XXXX - Date Opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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. 

Account Name : XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX/XXXX  # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX/XXXX  # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX/XXXX  # XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX  # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX  # XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian

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 2025-05-14 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/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 2025-05-14 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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