vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
Introduction I am writing to formally dispute the late payment reported by all three credit bureau agencies for the month of XXXX. I firmly believe that this report is inaccurate and wish to provide you with evidence and details supporting my case. 
Background As stated in my divorce agreement, I am responsible for paying all household bills until I move out. I moved out on XX/XX/XXXX and signed my new lease in Florida on XX/XX/XXXX. All previous balances were paid XXXX month prior to their respective due dates. For example, paying the bill in XXXX covered the mortgage for XXXX, and paying the bill in XXXX covered the mortgage for XXXX. Which is documented in all the credit Bureau documents under XXXX XXXX loan services on my credit report. 

Details of the Dispute Moved out date : XX/XX/XXXX Lease signed : XX/XX/XXXX All balances paid up to date : XXXX month prior XXXX mortgage payment : Not my responsibility it is and was XXXX XXXX Evidence I have enclosed the following documents to support my claim : Divorce agreement plus page 5, - 4.1 paragraph 6 stating my responsibility to pay 50 % of household bills until I move out, ( XX/XX/XXXX. ) Lease agreement signed on XX/XX/XXXX. 
Moved out on XX/XX/XXXX. 

Conclusion Given that I moved out on XX/XX/XXXX and was up to date with all payments until then, I am not responsible for the XXXX mortgage payment. I kindly request that the incorrect late payment reported be removed from my credit file for good.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Introduction I am writing to formally dispute the late payment reported by all three credit bureau agencies for the month of XXXX. I firmly believe that this report is inaccurate and wish to provide you with evidence and details supporting my case. 
Background As stated in my divorce agreement, I am responsible for paying all household bills until I move out. I moved out on XX/XX/XXXX and signed my new lease in Florida on XX/XX/XXXX. All previous balances were paid one month prior to their respective due dates. For example, paying the bill in XXXX covered the mortgage for XXXX, and paying the bill in XXXX covered the mortgage for XXXX. Which is documented in all the credit Bureau documents under XXXX XXXX loan services on my credit report. 

Details of the Dispute Moved out date : XX/XX/XXXX Lease signed : XX/XX/XXXX All balances paid up to date : XXXX month prior XXXX mortgage payment : Not my responsibility it is and was XXXX XXXX Evidence I have enclosed the following documents to support my claim : Divorce agreement plus page 5, - 4.1 paragraph 6 stating my responsibility to pay 50 % of household bills until I move out, ( XX/XX/XXXX. ) Lease agreement signed on XX/XX/XXXX. 
Moved out on XX/XX/XXXX. 

Conclusion Given that I moved out on XX/XX/XXXX and was up to date with all payments until then, I am not responsible for the XXXX mortgage payment. I kindly request that the incorrect late payment reported be removed from my credit file for good.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Introduction I am writing to formally dispute the late payment reported by all three credit bureau agencies for the month of XXXX. I firmly believe that this report is inaccurate and wish to provide you with evidence and details supporting my case. 
Background As stated in my divorce agreement, I am responsible for paying all household bills until I move out. I moved out on XX/XX/XXXX and signed my new lease in Florida on XX/XX/XXXX. All previous balances were paid XXXX month prior to their respective due dates. For example, paying the bill in XXXX covered the mortgage for XXXX, and paying the bill in XXXX covered the mortgage for XXXX. Which is documented in all the credit Bureau documents under XXXX XXXX lXXXX XXXXXXXX on my credit report. 

Details of the Dispute Moved out date : XX/XX/XXXX Lease signed : XX/XX/XXXX All balances paid up to date : XXXX month prior XXXX mortgage payment : Not my responsibility it is and was XXXX XXXX Evidence I have enclosed the following documents to support my claim : Divorce agreement plus page 5, - 4.1 paragraph 6 stating my responsibility to pay 50 % of household bills until I move out, ( XX/XX/XXXX. ) Lease agreement signed on XX/XX/XXXX. 
Moved out on XX/XX/XXXX. 

Conclusion Given that I moved out on XX/XX/XXXX and was up to date with all payments until then, I am not responsible for the XXXX mortgage payment. I kindly request that the incorrect late payment reported be removed from my credit file for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
Any person who shall be injured in his business or property by reason of anything forbidden in the antitrust laws may sue therefor in any district court of the United States in the district in which the defendant resides or is found or has an agent, without respect to the amount in controversy, and the court shall have jurisdiction of the action.

( b ) No action to enforce any cause of action under the antitrust laws shall be brought more than four years after the cause of action accrued, except that if the defendant is a foreign national, the cause of action shall not accrue until the plaintiff has discovered the violation.

( c ) In any action under this section, the court may award a plaintiff who prevails a reasonable attorneys fee as part of the costs of the action, and the United States shall be entitled to recover its reasonable costs in any action brought by it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BEACON FINANCIAL CORPORATION
State: CT

Complaint narrative:
XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} Both of these transactions were disputed and i won the disputes the bank put a risk hold on the account for security measures and said the only way for my funds to get released was if i had a police report which both my local police department and XXXX police department are not assisting me in getting my funds they both mentioned to take it up with corporate and then when i asked the supervisor of the bank for corporates email or telephone number i was told that i couldn't receive it. the risk hold is for {$6000.00} but i only won these two disputes so my account should have a balance of around {$2000.00}. 

How can they keep my account on a risk hold for that long isn't that is against the laws and or regulations?

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Automatic payments failed on three months of mortgage payments. I attempted to rectify this by manually paying on the website. The website gave no option to make a payment and said the phone payment system must be used. I attempted several ( over a dozen ) times to call and make a payment. I ran into multiple problems. First, the phone refused to recognize me as a customer. Second, the phone line constantly disconnected me. Third, several of the reps were outright insulting me on the phone over the late payments despite the fact I was trying to make them and had the money to do so. As I have no interest in being insulted as a customer, I hung up and would try later until finally I got someone that successfully took my payment.

As of now, ALL payments have been made. Nothing is delinquent. Yet the credit reporting bureaus refuse to remove the late payment notification until XXXX XXXX XXXX does so, and they will not listen to my request under any circumstances. I have talked to multiple agents and received a document in the mail saying they won't remove it, despite it being their fault in the first place.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Automatic payments failed on three months of mortgage payments. I attempted to rectify this by manually paying on the website. The website gave no option to make a payment and said the phone payment system must be used. I attempted several ( over a dozen ) times to call and make a payment. I ran into multiple problems. First, the phone refused to recognize me as a customer. Second, the phone line constantly disconnected me. Third, several of the reps were outright insulting me on the phone over the late payments despite the fact I was trying to make them and had the money to do so. As I have no interest in being insulted as a customer, I hung up and would try later until finally I got someone that successfully took my payment.

As of now, ALL payments have been made. Nothing is delinquent. Yet the credit reporting bureaus refuse to remove the late payment notification until XXXX XXXX XXXX does so, and they will not listen to my request under any circumstances. I have talked to multiple agents and received a document in the mail saying they won't remove it, despite it being their fault in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Automatic payments failed on three months of mortgage payments. I attempted to rectify this by manually paying on the website. The website gave no option to make a payment and said the phone payment system must be used. I attempted several ( over a dozen ) times to call and make a payment. I ran into multiple problems. First, the phone refused to recognize me as a customer. Second, the phone line constantly disconnected me. Third, several of the reps were outright insulting me on the phone over the late payments despite the fact I was trying to make them and had the money to do so. As I have no interest in being insulted as a customer, I hung up and would try later until finally I got someone that successfully took my payment.

As of now, ALL payments have been made. Nothing is delinquent. Yet the credit reporting bureaus refuse to remove the late payment notification until XXXX XXXX XXXX does so, and they will not listen to my request under any circumstances. I have talked to multiple agents and received a document in the mail saying they won't remove it, despite it being their fault in the first place.

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 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
On exactly XX/XX/year>, tenants move out with less than 60 days notice of non-renewal by landlord of XXXX XXXX XXXX XXXX XXXX. I was never given enough time to move out is the first legal violation. Secondly, I was never given an itemized deduction for the alleged move out fees. Under XXXX XXXX XXXX, landlords are required to notify tenants in writing if they intend to impose a claim on the security deposit. This notice must be sent within XXXX days** of the tenant moving out. The notification should include an **itemized list of deductions** and the remaining balance of the deposit. 

If the landlord fails to provide this notice within the XXXX timeframe, they forfeit the right to make any claim on the deposit, and the tenant is entitled to a full refund. I am demanding that the landlord provide proof of the alleged debt per 15 USC 1692 ( g ), along with a valid and timestamped notice of itemized deductions provided to the tenant within 30 days of moving out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: MI

Complaint narrative:
After sending letters for months and months, Experian did not accurately investigate the negative items on my 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 2025-04-01 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Someone accessed my credit info because of a data breach and opened accounts in my name. Now Im having a hard time getting those accounts removed.

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 2025-04-01 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: UT

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 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 non-monetary relief
Consumer complaint received 2025-04-01 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: NC

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 2025-04-01 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: PA

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 before 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 XXXX 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 2025-04-01 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX  bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filling this complaint because EQUIFAX has repeatedly failed to comply with their legal obligations under the fair Credit Reporting Act ( FCRA ) to verify the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, they have violated : * 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report/ * 15 USC 1681s-2 '' Negligence in ensuing the furnishers of information comply with their obligations.

* 15 USC 1681i ( 5 ) '' Failure to properly reinvestigate disputes and remove inaccurate information.

* 15 USC 1681C ( C ) : Inclusion of obsolete information in my credit report. 

I have sent multiple dispute letters to EQUIFAX, but they have either failed to conduct proper investigations or reinvestigation or outright ignored the evidence i provided. 
To make matters worse, which highlights that EQUIFAX has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. 
This issue has significantly impacted my ability to access credit, housing and employment opportunities, causing me financial and emotional distress. 
Specific Details : XXXX. XX/XX/XXXX - I sent a letter disputing [ Verifiable Proof ( an original Consumer Contract with my signature on it ). 
EQUIFAX sent letter stating that the accounts are verified and updated without requested information provided to me. 
XXXX. XX/XX/XXXX - I sent a second letter for reinvestigation. 
No response from EQUIFAX. 
XXXX. XX/XX/XXXX - I send the third letter asking EQUIFAX to comply to the FCRA, Got response from EQUIFAX stating that they already investigate and the account in questions are verified and updates. 
XXXX. I sent the fourth letter to EQUIFAX. 

As a result of EQUIFAX 's non-compliance * My credit score remains inaccurate, affecting my ability to [ get a loan. secure housing. etc. ]. 
* I have been subjected to undue stress and financial hardship. 
Requested Resolution for the following accounts : XXXX ; Require EQUIFAX to fully investigate and correct the inaccuracies in my credit report. 
XXXX. Impose penalties on EQUIFAX for non-compliance with FCRA provisions. 
XXXX. Ensure that EQUIFAX implements proper procedures to comply with their obligations. 

I am attaching all relevant documentation to support my claim including * copies of my letters * identity thief report

Company response to consumer: Closed with non-monetary relief