vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
Collection I Charge Off ( XXXXXXXX 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 XXXXXXXX I am outraged to find serious reporting errors on my TransUnion credit report that should never have been included. These inaccuracies are not minorthey are actively sabotaging my financial standing and restricting my opportunities. I have disputed these errors before, yet they remain uncorrected. This ongoing failure to maintain accurate records is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), I have a legal right to a completely accurate and verifiable credit report. If these disputed accounts can not be substantiated with irrefutable proof, they must be deleted immediately. I demand a full reinvestigation and expect immediate corrective action. This is not a requestit is a demand for compliance with federal law. Any failure to act will be treated as willful negligence and will not be ignored.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
At this time I am not disputing, I am requesting information as shown in the documents sent to the creditors that are attached. I look forward to the creditors providing the exact information I have requested within the legal time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified an inaccuracy that I have disputed with the collection agency and Experian but my concerns have not been adequately addressed. Inaccuracy # 1 : Collection placed on credit report Description : XXXXXXXX XXXX A placed a wrongful collections on my credit report while the said debt was first in dispute. They also didn't notify the credit agencies that the debt is being disputed. I have put in a previous complaint with said company and they stated that they do not control the way in which consumer reporting agencies report the information furnished by XXXX XXXX. I have asked numerous times for certain information to validate the said debt and I still have not received all that I asked for. I keep receiving a generic response from Experian saying that they have verified but never show any proof of verification. However, the agency has not provided satisfactory responses or corrected the inaccuracies. This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs. I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XX/XX/scrub>XXXX I and my wife completed our rental Application with XXXX at XXXX XXXX XXXX in XXXX, XXXX. Same day we paid holding and application fees in total amount of XXXX USD ( XXXX holding fee and XXXX application fee each ). 
There was patio/balcony mentioned in the apartment quote. 
They didn't allow us to visit apartment, since it was occupied. They also didn't provide tour among the apartment complex until the really last moment.

XX/XX/2024 they finally scheduled a tour to the apartment complex. It turned out that there was neither balcony nor patio at the apartment. When I asked them about patio they pointed to the porch ( deck ) telling : " Here is your patio ''.

XX/XX/2024 I sent them email notifying that I was not going to proceed with lease agreement with them. I also asked to refund holding fee due to discrepancies between the Quote and the apartment itself. 
They refused to refund the paid amount explaining that they do not refund if 72 hours passed after signing the application.XX/XX/2024 I disputed the transaction through my bank account since they didn't allow me to check apartment in scope of 72 hours after signing the application.XX/XX/2024 they turned over my account to an outside collection agency without prior notifying me - Transworld System Inc. That significantly affected my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Model Finance Company
State: TX

Complaint narrative:
I am filing a complaint against the original lender of my motorcycle loan, Model Finance Company, for improper handling of my account and inaccurate reporting. The loan was closed and sold to another company XXXX XXXX XXXX without prior notice or communication. I was never informed that the account had been sold or that my payment schedule would change. 

When I purchased the motorcycle, I missed the first payment after the transfer and was marked late, as I had not been provided any account information or a bill to make the payment. I have since made consistent, on-time payments, but the account now reflects multiple late payments and negative marks. I believe these are the result of the companys failure to provide timely billing statements or adequate transition information. 

To clarify, the account has never been marked late while it was open and has been closed for a few months now. These derogatory marks appeared only after the sale of the loan, and I was not given an opportunity to remain in good standing due to poor communication from the lender. 

This is a smaller lender, and I have attempted to resolve the issue directly. However, they have not corrected the inaccurate reporting or acknowledged the lack of proper notice. I believe this constitutes unfair and inaccurate credit reporting and request that it be reviewed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated. 

This was clearly a billing error made my the company and is not a reflection of my payment experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
I show that I have a past due of {$1.00} on my XXXX XXXX account ending in XXXX. The loan is settled paid IN FULL. They reported it to all XXXX credit bureaus as delinquent. It is resolved and never late. The settlement agreement ( which they agreed to {$100.00} a moth. The last payment was {$180.00} which total the agreed settlement amount. I want ALL XXXX credit bureaus to correct this ASAP. This is NOT reported as accurate. Please dispute this with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am getting repeated and harassing calls and messages from CMRE Financial Services located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple times per day regarding a purported debt. On XX/XX/year>, I mailed by USPS a request for validation to CMRE by certified mail with return receipt requesting that they validate the debt since I have no idea what they are calling about ( see attached letter ). CMRE received my letter of validation on XX/XX/year>, as verified by the signed return receipt ( see attached ). Despite my request, CMRE has failed to validate the debt. Nevertheless, they continue to call me and leave messages ( see attached ), a violation of my rights under the Fair Debt Collection Practices Act. I have saved all proof of their calls and voicemails as proof of their continued acts of violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MI

Complaint narrative:
Experian CFPB Complaint Summary Account Number XXXX XXXX Experian is reporting false, incomplete, and unverifiable information on my credit report regarding a XXXX XXXX XXXX XXXX that was closed and repossessed on XX/XX/XXXX. Despite several formal disputes, Experian has failed to correct the following : False payment listed in XX/XX/XXXX, after repossession Continued late payment reporting through XXXX, even though the account has been closed Multiple repossession entries for a single event Incorrect balance of {$22000.00}, with no credit for vehicle sale, no deficiency statement, and no GAP insurance application Incomplete payment history marked as ND in several months No action taken on repeated consumer disputes Failure to perform a proper investigation or correction process XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also failed to provide the required post-sale notice and deficiency explanation despite written requests. 
.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My account with TRANSUNION 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.

TRANSUNION 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 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 2025-04-07 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 requested to open a dispute with Experian under the new law that went into effect on XXXXXX/XX/year> that medical debt is to be deleted. I had an XXXX  XXXX a few years back and incurred XXXX in out of pocket that is owed it went to a collection agency and now another named XXXX XXXX. They did go ahead and close the collection but did not remove it, When I contacted Experian, they refused to file a dispute they indicated they were not aware of any update to the laws that I mentioned took place in XXXX They said that the latest information they had only applied to medical debt under XXXX and refused to dispute. How do I proceed. I have proof of the initial medical the XXXX notes amount insurance paid and part I had to set up medical loan payment plan with the original creditor. Experian refused to open and review anything XXXX and XXXX did open cases that are pending.

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 2025-04-07 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.

Complaint narrative:
I found inaccuracies on my personal information reporting to my TransUnion report.

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 2025-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK
State: VA

Complaint narrative:
FREEDOM DEBT RELIEF_Company promised to settle debts for less than what is owe going into program.I went thru the program and got down to the last three of my debts all with synchrony bank- saw what my balance was in the account per FDR website- offered to pay the lowest off and send money for the second lowest. They didnt pay them off, gave me the run around. In the meantime I received a redicoulsy high bill for over {$5000.00}. When I asked FDR where that bill came from and who it was from- they wouldn't ever disclose to me. Finally I found out it was one of the sychany accounts- care credit- when a started the program it was only XXXX XXXX- now it was over {$5000.00}. I called the creditors directly- they had stated that no one from- FDR- ever negotiated with them, that is why these account were sold off to credit collection companies and charged a super high interest. FDR was taking my money and never showing the credit card true balances on their website or disclose accurate information. In fact at the end they tried to enroll the full balance back into the program and try to make me continue to pay. I refused, I felt lied too, mis-leaded and didnt feel comfortable to pay them anything else. In less than a week I was served with court papers- I was being sued in a civil case. I couldnt believe it. now I am going to court and FDR won't even give me the paperwork to prove my case because it will show them at fault. XX/XX/XXXX I am being forced to settle or go before a judge I am being threatened to have my wages garnished. I want to make sure No-one else has this happen to them- Freedom Debt Relief is fraudulent company that will put you in a worse situation than when you start with them- STAY AWAY FROM THIS COMPANY!! ... ... .CFPB please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # : XXXX XXXX Account # : XXXX The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-04-07 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: NY

Complaint narrative:
To whom it may concern, I am writing to update/correct my personal information on file with your company 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 
I do not wish to have any telephone numbers on my report except ( XXXX ) XXXX Please remove all the other addresses off my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief