vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: MD

Complaint narrative:
My account with EQUIFAX EXPERIAN 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 befo

re the payment due date. EQUIFAX EXPERIAN 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$580.00}, XXXX XXXX XXXX balance {$220.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$580.00}, XXXX XXXX XXXX balance {$220.00}.

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 2025-04-26 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: NV

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im submitting this complaint in regard to my former Chase checking account. I was approached by someone I knew casually ( referred to as XXXX XXXX who asked me to deposit two checks. I was not informed that the checks were fraudulent or that they were not properly authorized. I believed I was simply helping someone and had no malicious intent.

Soon after depositing the checks, my Chase account was restricted. I was told by Chase that in order for the restrictions to be lifted, the account holder of the check ( a person named XXXX XXXX ) needed to verify me as someone authorized to deposit the check. However, I do not know XXXX personally, and that verification was not possible. 

Despite this, the check still deposited into my account while the restriction was active, and then Chase issued a chargeback, removing both the check funds and my personal balance of {$95.00}. Then, my account was closed entirely. I was not given any further warning or opportunity to respond.

I dont understand how a check could be accepted and deposited while my account was restricted and required verification. If it truly required verification and that was never provided, the check should not have cleared. Instead, Chase allowed the funds to go through, then penalized me afterwarddespite being transparent with them the entire time.

Im now unable to bank with Chase and am worried that this incident may impact my ability to open accounts at other institutions, even though I was unknowingly caught up in a fraudulent situation.

Im requesting an investigation into : Why the check was deposited despite Chases stated need for verification. 
The reversal of my {$95.00} balance, which was personal money. 
Any possible/pending negative reporting to XXXX  or similar services. 
Clarification on why I was penalized for a situation I tried to resolve immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-26 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: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the use and/or sharing of my personally identifiable information ( PII ) related to my education records, in what I believe is a violation XXXX and violation of the * * Family Educational Rights and Privacy Act ( FERPA ) , codified at 20 U.S.C. 1232g ( b ) * *.

According to FERPA, no agency or third party may access or use a student 's educational records without the express * * written consent * * of the student, unless a specific exception applies. To date, I have * * not provided consent * * for you to access, use, or share my education records including any details related to my enrollment status, financial aid, or school of attendance. 

Failure to comply with FERPA may result in a complaint being filed with the * * U.S. Department of Education 's Family Policy Compliance Office * *, as well as any additional consumer complaints through the * * FTC * * and * * CFPB * *.

Please respond to this request in writing within * * 15 business days * * from the date of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-26 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX SSN : XXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : FORMAL NOTICE OF DISPUTE Discover Account Inaccurate Information, FCRA/TILA/FDCPA Violations, and Privacy Breach To Whom It May Concern, I am writing to formally dispute and demand immediate investigation into the reporting of a XXXX account appearing on my TransUnion credit file. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Account : Creditor : XXXX XXXX XXXX This tradeline contains false, misleading, and unverifiable information, which I have contested previously. Despite prior notices, TransUnion and the furnishing party have failed to : Provide documented proof of accuracy and ownership under 15 U.S.C. 1681i ; Correct the inaccurate and misleading information, as required by 15 U.S.C. 1681s-2 ( b ) ; Verify that the account is being reported in full Metro 2 compliance ( including fields such as Date Opened, Status, Date of Last Activity, and Account Type ) ; Provide validation under TILA ( 15 U.S.C. 1601 et seq. ), including a breakdown of terms, disclosures, interest accrual, and the original loan agreement ; Prevent the unauthorized access or transmission of my personal information, thereby violating the privacy mandates under 15 U.S.C. 1681b ; Respond to disputes in a timely, lawful, and individual manner, violating FDCPA 809 ( 15 U.S.C. 1692g ). 

This continued misreporting has caused material harm, emotional distress, and the denial of credit. If the account is unverifiable and inaccurate, it must be permanently deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Continued reporting without full legal validation constitutes willful noncompliance and subjects you to liability for damages under 15 U.S.C. 1681n and 1681o. 

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Michigan Attorney General, and initiation of litigation in accordance with federal consumer protection laws. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX, trustee

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 2025-04-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX, MI XXXX SSN : XXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : FORMAL NOTICE OF DISPUTE XXXX Account Inaccurate Information, FCRA/TILA/FDCPA Violations, and Privacy Breach To Whom It May Concern, I am writing to formally dispute and demand immediate investigation into the reporting of a XXXX account appearing on my XXXX credit file. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Account : Creditor : XXXX XXXX XXXX This tradeline contains false, misleading, and unverifiable information, which I have contested previously. Despite prior notices, XXXX and the furnishing party have failed to : Provide documented proof of accuracy and ownership under 15 U.S.C. 1681i ; Correct the inaccurate and misleading information, as required by 15 U.S.C. 1681s-2 ( b ) ; Verify that the account is being reported in full Metro 2 compliance ( including fields such as Date Opened, Status, Date of Last Activity, and Account Type ) ; Provide validation under TILA ( 15 U.S.C. 1601 et seq. ), including a breakdown of terms, disclosures, interest accrual, and the original loan agreement ; Prevent the unauthorized access or transmission of my personal information, thereby violating the privacy mandates under 15 U.S.C. 1681b ; Respond to disputes in a timely, lawful, and individual manner, violating FDCPA 809 ( 15 U.S.C. 1692g ).

This continued misreporting has caused material harm, emotional distress, and the denial of credit. If the account is unverifiable and inaccurate, it must be permanently deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Continued reporting without full legal validation constitutes willful noncompliance and subjects you to liability for damages under 15 U.S.C. 1681n and 1681o.

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Michigan Attorney General, and initiation of litigation in accordance with federal consumer protection laws. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX, trustee

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 2025-04-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX, MI XXXX SSN : XXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : FORMAL NOTICE OF DISPUTE XXXX Account Inaccurate Information, FCRA/TILA/FDCPA Violations, and Privacy Breach To Whom It May Concern, I am writing to formally dispute and demand immediate investigation into the reporting of a XXXX account appearing on my XXXX credit file. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Account : Creditor : XXXX XXXX XXXX This tradeline contains false, misleading, and unverifiable information, which I have contested previously. Despite prior notices, XXXX and the furnishing party have failed to : Provide documented proof of accuracy and ownership under 15 U.S.C. 1681i ; Correct the inaccurate and misleading information, as required by 15 U.S.C. 1681s-2 ( b ) ; Verify that the account is being reported in full Metro 2 compliance ( including fields such as Date Opened, Status, Date of Last Activity, and Account Type ) ; Provide validation under TILA ( 15 U.S.C. 1601 et seq. ), including a breakdown of terms, disclosures, interest accrual, and the original loan agreement ; Prevent the unauthorized access or transmission of my personal information, thereby violating the privacy mandates under 15 U.S.C. 1681b ; Respond to disputes in a timely, lawful, and individual manner, violating FDCPA 809 ( 15 U.S.C. 1692g ).

This continued misreporting has caused material harm, emotional distress, and the denial of credit. If the account is unverifiable and inaccurate, it must be permanently deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Continued reporting without full legal validation constitutes willful noncompliance and subjects you to liability for damages under 15 U.S.C. 1681n and 1681o.

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Michigan Attorney General, and initiation of litigation in accordance with federal consumer protection laws. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX, trustee

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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