vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Inaccurate Accounts and Hard Inquiries Metro 2 Compliance To Whom It XXXX Concern, I am writing to formally request the deletion of the following accounts and hard inquiries from my Equifax credit report under Metro 2 compliance guidelines. These accounts and inquiries contain inaccurate or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ), all data reported must be accurate, complete, and verifiable. If the creditors or inquirers can not validate the accuracy of this information, it must be permanently deleted. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested on XX/XX/XXXX Reason for Deletion Request : The above accounts contain inaccurate or unverifiable information. 

The listed inquiries were unauthorized and do not reflect my credit activity. 


Under Metro 2 reporting standards and FCRA regulations, I request an immediate investigation into these items. If they can not be properly verified, they must be permanently removed from my credit file. 

Please provide written confirmation of the deletions within 30 days, as required by law. Attached are copies of my identification and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: UT

Complaint narrative:
XXXX XXXX closed both of my accounts without notifying me. I was making payments, waiting for my available credit to reflect those payments, before calling, and discovering the accounts were closed.

The accounts continued to collect multiple monthly fees, sending the total balance over double. The company started to call me several times a day every day, until i asked for no phone contact. At this point they began adding 4 and sometimes more negative marks to my credit report, monthly. I finally was able to pay off one of the accounts, the XXXX XXXX XXXX XXXX XXXX XXXX It was paid to a XXXX balance, and had already been closed. However, the account was reported to credit agencies as delinquent past due with a balance of {$80.00}. I confirmed my account is a XXXX balance, My payment cleared on XX/XX/year>. Yet my report score was impacted again on XX/XX/XXXX, and this account added to a recent denial of an application for housing. This account is also showing as a charge off while actively collecting fees and placing regular remarks. 

The day I paid the XXXX  account I was advised by a XXXX to wait until XX/XX/XXXX for an emailed settlement offer to pay and close the XXXX XXXX  XXXX XXXX account which has accumulate near {$800.00} in fees, and also monthly negative remarks.

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 2025-03-18 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: FL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
disputed the debt with the collectors and had 0 results and responses from the companies. could not show a forward flow agreement, chain of assingment, original signatures and history of payments towards the debt. i wish to have all negitive reports removed from the credit history. also did not provide a 1099c on said accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The personal information is incorrect please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The personal information is incorrect please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The personal information is incorrect please remove this from my credit report immediately.

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 2025-03-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-18 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  XXXX and all payments were placed on XXXX. 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 XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/XXXX I received an email from the XXXX Department of Education stating that according to their records I have missed payments on my student loan and that my account is past due. As of XX/XX/XXXX I don't have an outstanding payment and the next payment is due on XX/XX/XXXX. The information has clearly been misreported to the Department of Education as I don't have any past due or missed payments. I attempted to call Mohela and was told that there was a 6 hour wait time. After 1 hour I hung up. I've attempted to contact this company to no avail on several occasions with a similar response where the wait times are on average 5-6 hours long. 

I'm concerned that after 4 calls and waiting and unfounded/immense amount of time to speak with someone I've never connected with anyone to discuss the concerns I have with my account. Misreporting information can be detrimental to my credit score and employment so I need them to assure they are reporting information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I am writing to express my frustration regarding my repeated, unsuccessful attempts to obtain a payoff request for my loan with Valley National Bank. Despite multiple follow-ups, I have yet to receive the requested information, and each time I call, I am provided with a different explanation for the delay. 

Most recently, on XX/XX/XXXX, I was informed that my waiting period was not completed yet because the day before ( XX/XX/XXXX ) the bank was closed due to a national holiday ( XXXX XXXX XXXX ), which is incorrect, as I had spoken with a customer service representative on that very day. This inconsistent and inaccurate information has caused unnecessary delays and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding the actions of Online Information Services, in relation to my account and personal information. I recently discovered that an account that had been previously removed was added back to my records without my consent or prior notification. I was under the impression that my account had been closed and that all relevant information had been removed. However, I was shocked to find that the account has been reinstated after a few months, which I believe is unlawful. Moreover, I did not give permission, nor was I informed, that my personal information would be shared or sold to any third parties, including your company. The actions of this have caused me considerable distress, and I find this practice both unacceptable and a violation of my rights under applicable privacy and data protection laws. The unauthorized use and reinstatement of my account without my express consent is in direct breach of consumer protection laws. I kindly request that they immediately remove this account from their records and provide written confirmation of the actions taken. Additionally, I require a clear explanation of how my personal information was obtained, why my account was reinstated without my authorization, and what steps are being taken to prevent such occurrences in the future. I have been dealing with this matter for several years without resolution. Over this extended period, I have spoken to numerous agents, both with XXXX XXXX and the original creditor, but the issue remains unresolved. Despite submitting the required documents proving that I was not living at the address associated with the account at the time the charges were accrued, no action has been taken to remove the collection from my credit report. Furthermore, I no longer have access to some of the documents previously submitted as I have recently switched phones and no longer have those records and the apartment complex is under new management. Despite this, the evidence I provided should have been sufficient, and I have made every effort to resolve the issue. At this point, I am requesting the removal of the account entirely. I believe that this is a fair request given the years of time I have spent trying to rectify the situation, the documentation Ive provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-03-18 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-03-18 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-03-18 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute certain information that appears on my credit report, which I believe to be inaccurate and request its immediate correction. 

Specific Disputed Item ( s ) : Creditor Name : XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX  XXXX Reported Balance/Status : 1 MISSED PAYMENT CLOSED, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX XXXX  Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX XXXX XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX  XXXX Reported Balance/Status : 3 MISSED PAYMENTS, CLOSED, 90-119 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 



Thank you for your prompt attention to this matter. Protecting and ensuring the accuracy of my credit report is of utmost importance to me, and I trust that you will handle this dispute with the seriousness it deserves. 

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