vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is refusing to remove an inaccurate public record from my credit report and has mishandled my request multiple times. They are reporting a dismissed lawsuit as an active public record, even though I provided official court documents proving that it was dismissed without prejudice and should no longer be reported. 

I first disputed this inaccurate record on XX/XX/year>. During that dispute, the Experian agent rudely argued that I never sent in my dismissal letter and claimed there was no record of it in the system. However, after further checking, the agent later found my dismissal letter in Experians system from my first dispute. This means my original dispute was never processed properly, and the agent wrongfully dismissed my request instead of handling it correctly the first time.

Because of Experians mishandling, I was forced to start a new dispute. The new agent explicitly stated that he would attach the dismissal document to my case, yet he failed to do so. This led to my dispute being mishandled a second time, creating unnecessary delays and continued reporting of false information on my credit report.

When I attempted to escalate this issue over the phone, the Experian agent was rude, refused to provide any decisions in writing, and refused to transfer me to a supervisor. I was brushed off and given no legitimate path to resolution other than being told to send in the same documents againdespite Experian already having them. This is a deliberate attempt to delay my right to an accurate credit report.

Experians repeated failures violate the Fair Credit Reporting Act ( FCRA ), which requires them to investigate and correct inaccurate information promptly. Instead of following the law, they have mishandled my case twice, failed to process my dispute correctly, and wrongfully claimed I never submitted documentationonly to later find it in their system.

I am requesting immediate removal of this dismissed lawsuit from my credit report and written confirmation that the correction has been made. If Experian fails to comply, I will escalate this matter through legal action.

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 2025-02-12 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: PR

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally request the removal of inaccurate items from my credit file. A detailed list of these items is attached for your reference.

As a victim of identity theft, I have discovered multiple unauthorized accounts and inquiries on my credit report that I did not initiate. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history.

I have reported this identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I noticed a collection that was on my credit report, company did not validate the account bearing a contract between me and them bearing my signature

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal Credit union denied my dispute for unauthorized transactions of fraud. I was given a provisional credit now they are trying to take the provisional credit back and put my account in the negative when I was not responsible for the transactions on my account. I am not sure every single transaction that was fraudulent, but I picked out the most that I could to the best of my ability, I never gave anybody my debit card information or pin number so any transaction that was made was used without the pin number because I never was negligent with my pin to submit a police report because they made a decision before I was even able to get the police report processed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Capital Good Fund
State: IL

Complaint narrative:
I have encountered the following issues with the loan servicer : 1. Incorrect Delinquency Reporting : Despite consistently making my payments on time, Capital Good Fund has incorrectly reported my account as delinquent to the credit bureaus. This has caused significant harm to my credit score and caused unnecessary distress. I have reviewed my payment records, and I am certain that all payments were made as agreed.

2. Ignoring Point of Contact : I have made multiple attempts to reach Capital Good Fund through the designated point of contact, which was provided to me by their customer service. However, my inquiries have either been ignored or left unanswered, causing further frustration and confusion regarding the status of my account.

3. Failure to Update Account Information : Despite reaching out to Capital Good Fund to correct the erroneous delinquency reporting and requesting an update to my account information, they have failed to make any changes or provide a satisfactory resolution. I have not received any confirmation that the issue is being addressed or that the inaccurate reporting will be corrected.

I request that the CFPB assist in resolving the following : 1. Immediate correction of the inaccurate delinquency reporting on my credit report.

2. A review of my account to ensure that it accurately reflects my payment history.

3. Contact from Capital Good Fund to address these issues and provide a resolution, such as compensation for the intentional damaged caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I would like to create an official complaint regarding my escrow analysis and therefore monthly payments. My Escrow analysis was incorrectly calculated back around XXXX. My Homeowner 's insurance and flood insurance were calculated as two separate policies, both for the same premium amount of {$4300.00}. However, the flood insurance is a combined policy with the homeowner 's insurance, and therefore, there should only be one premium payment of {$4300.00}, not two payments. I have called regarding this error since XXXX, about 8 different times, and have been told multiple times that the escrow analysis will be reevaluated and corrected. I have spoken to multiple departments, and have been told not to worry, that it will be corrected in a few days. I even spoke to the insurance department for 2 hours, where the representative called my insurance company and confirmed the combined flood and homeowner 's policy. The representative assured me the correction would finally be made, that she would send out the documents to the escrow department and they would correct it in a few days. This was one month ago. And every time I call I am told the issue will be escalated, but that does absolutely nothing. My monthly payments are about {$400.00} higher than they should be, and I will now create an official complaint at the Better Business Bureau and whatever other channel I can find. I do not have the option to change mortgage servicer, and this is absolutely ridiculous. Please fix my escrow analysis and adjust my monthly payments accordingly.

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 2025-02-12 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:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-02-12 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 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 2025-02-12 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: GA

Complaint narrative:
XXXX was my original XXXX loan servicer. 

XXXX XXXX  and XXXX XXXX have replaced XXXX on my credit report. 

XXXX XXXX consolidated my loan in XXXX 

XXXX XXXX is my new loan servicer. 

XXXX used unethical practices to harm XXXX loan borrowers. 

I would like to see those closed inaccurate accounts deleted from all three major credit agencies.

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 2025-02-12 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: MI

Complaint narrative:
1. Plaintiff, XXXX XXXX XXXX, alleges that Defendant owes an alleged debt of {$800.00}, acquired from XXXX XXXX. 

2. The company has responded to my validation of debt and ability to provide documentation to support their claim of Right to Collect the debt '' by providing the required documents by law. 

Here is the response. With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is being reported to the credit bureaus on behalf of the Current Owner. Based on the information contained in the Account records, the tradeline for this Account should not be deleted ; however, it is being reported as disputed to the credit bureaus. 

It will continue to report as such for the remaining reporting period unless new information indicates that the disputes should be removed. 
XXXX has satisfied its obligation to provide all relevant documentation requested by the consumer. 

XXXX is not obligated to respond to the consumer 's request for a copy of a purchase and sale agreement and declines to do so.

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 2025-02-12 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: GA

Complaint narrative:
I am writing to formally dispute Experians failure to properly investigate a dispute I submitted regarding an account on my credit report. I requested an investigation, and within minutes, the request was closed without a thorough review, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Investigation ( XXXX U.S.C. XXXX ( a ) ( 1 ) ) Under the FCRA, Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days. The fact that my dispute was closed within minutes indicates no proper investigation was conducted, which constitutes a violation of federal law. 
Failure to Forward My Dispute to the Furnisher ( XXXX U.S.C. XXXX ( a ) ( 2 ) ) Upon receiving my dispute, Experian is legally obligated to notify the data furnisher and provide all relevant information regarding my claim. Given the rapid closure of my dispute, it is evident that no such notification was made, further violating the law. 
Willful Non-Compliance ( XXXX U.S.C. XXXX ) Knowingly failing to conduct a proper investigation and disregarding my dispute request qualifies as willful non-compliance. Under this statute, I am entitled to damages of up to {$1000.00} per violation, in addition to punitive damages and legal costs. 
Negligent Non-Compliance ( XXXX U.S.C. XXXX ) If this failure to investigate was due to negligence, Experian is still liable for damages suffered due to their lack of due diligence in properly handling my dispute.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
According to XXXX. U.S.C XXXX you have violated my right by in lawful communications please remove this collection off of my credit report thank you

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