vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I.C. System is reporting a collection account for XXXX XXXX XXXX  without proper notice or validation. I was never contacted prior to this being reported. I did not receive any written communication, no validation of debt under 15 U.S.C. 1692g, and this account was never acknowledged or verified by me.

Additionally, I.C. System failed to follow proper procedures before reporting the debt, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am disputing the accuracy, amount, and authorization of this collection.

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 2025-07-16 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: NJ

Complaint narrative:
ermanently delete the inaccurate late payment records reported under the following accounts : XXXX Account # XXXX XXXX Account # XXXX Conduct a full reinvestigation and require the creditors to provide dated documentation proving that I was notified of the upcoming due dates and payment obligations before the late payments were reported. 

If such documentation can not be provided, these late payments must be deleted in accordance with FCRA 1681i ( a ), which requires removal of unverifiable information. 

Provide written confirmation of deletion and send an updated copy of my credit report within 15 business days. 

This resolution is not only fair but required under federal law to ensure that only accurate, verifiable information is reported on my credit file.

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 2025-07-16 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: NJ

Complaint narrative:
Permanently delete the inaccurate late payment entries associated with the following accounts due to lack of proper notice and documentation : XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Provide written confirmation that these late payments have been removed from my credit file. 

Issue an updated copy of my credit report reflecting these deletions within 15 business days. 

These actions are necessary to comply with the FCRA, as the creditor failed to provide required notification prior to reporting late payments. Without verifiable proof that I was given the opportunity to address the alleged delinquencies, these entries are legally inaccurate and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Permanently deleting the repossession account reported by CREDITACPT Account # XXXX from my credit file, as the creditor has failed to provide : A notice of default A right-to-cure notice A deficiency notice Verifiable, original documentation proving the repossession was lawful and complete Providing written confirmation from XXXX that the account has been removed. 

Sending me a corrected and updated copy of my credit report reflecting this deletion. 

This is required under FCRA XXXX ( b ), XXXX ( a ), and XXXX ( a ), which mandate accurate, verifiable information and obligate deletion of any unverifiable or incomplete entry. I am not seeking anything beyond what the law requiresonly that XXXX comply with their duties under federal law.

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 2025-07-16 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: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-16 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: CT

Complaint narrative:
I paid the remaining loan balance of {$2300.00} in full on XX/XX/year>, and it still hasnt been updated to my credit report. I just had a hard pull of my credit on XX/XX/year> and its still showing a balance, which is incorrect.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I paid the remaining loan balance of {$2300.00} in full on XX/XX/year>, and it still hasnt been updated to my credit report. I just had a hard pull of my credit on XX/XX/year> and its still showing a balance, which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmWest Funding Corp.
State: TX

Complaint narrative:
I am submitting this complaint regarding AmWest Funding Corp 's handling of my escrow property tax account # XXXX for my home at XXXX XXXX XXXX, in XXXX XXXX, City of XXXX, Texas My XXXX and XXXX property taxes are currently overstated because I have a pending age XXXX XXXX XXXX exemption filed with the XXXX XXXX XXXX XXXX. This exemption, once processed, will retroactively reduce my property taxes and waive any penalties and interest incurred, per XXXX XXXXXXXX XXXX XXXX ( q ). I have provided AmWest Funding Corp Escrow Admin team with email notice, documentation of the pending exemption, and specific instructions not to pay the currently overstated XXXX City of XXXX tax bill. 

Despite this, AmWest Funding Corp Escrow Admin team has verbally and in writing stated that they intend to pay the full overstated tax amount from my escrow account and increase my monthly payments. They have dismissed my explanations and have not shown any willingness to pause or investigate my valid legal exemption under state law. 

Their conduct appears coercive and in bad faith. By threatening to pay the overstated taxes and increase my monthly loan payments against my express instructions and legal rights, they are effectively forcing me to overpay {$2000.00} or more in taxes and fees that can not be refunded due to cross-jurisdiction accounting between XXXX XXXX and the XXXX of XXXX. Additionally, their actions may constitute discriminatory servicing practices under federal XXXX protections, as they are refusing to accommodate a state-recognized XXXX exemption process. 

I respectfully request regulatory review and assistance in ensuring AmWest Funding Corp Escrow Admin pauses all property tax disbursements pending the processing of my exemption, as required under Texas law and RESPA escrow account management regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 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: NJ

Complaint narrative:
Permanently deleting the repossession account reported by XXXX Account # XXXX from my credit file, as the creditor has failed to provide : A notice of default A right-to-cure notice A deficiency notice Verifiable, original documentation proving the repossession was lawful and complete Providing written confirmation from Equifax that the account has been removed. 

Sending me a corrected and updated copy of my credit report reflecting this deletion. 

This is required under FCRA XXXX ( b ), XXXX ( a ), and XXXX ( a ), which mandate accurate, verifiable information and obligate deletion of any unverifiable or incomplete entry. I am not seeking anything beyond what the law requiresonly that Equifax comply with their duties under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
XXXX-  sent final notice to correct inaccurate information per 15usc 1681.'

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 2025-07-16 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and as a result, multiple accounts and inquiries have been added to my credit file that I did not authorize or apply for.

Attached to this letter is a document listing the specific accounts and inquiries I am disputing. I have also included a copy of the identity theft report I filed with the Federal Trade Commission ( FTC ), in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ).

Under the provisions of the FCRA, I request that these items be blocked and deleted from my credit report as they are the result of identity theft. I respectfully ask that you take immediate action to ensure my credit report reflects only accurate and authorized information. 

Please confirm in writing once the fraudulent information has been removed. If you require any additional documentation, feel free to contact me at the information listed below. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute requesting the removal of incorrect information from my credit reports maintained by Experian, Equifax, and TransUnion. Despite multiple attempts and sufficient notice, this inaccurate information continues to appear on my credit reports, adversely impacting my financial standing and creditworthiness. 
Additionally, I am formally submitting a complaint regarding a significant data breach involving all three major credit bureaus. This breach compromised my sensitive personal and financial information due to the credit bureaus ' failure to implement adequate and necessary security measures to protect consumer data. The unauthorized access to my personally identifiable information ( PII ) has led to fraudulent activities and inaccuracies on my credit reports. 
The actions and inactions of Experian, Equifax, and TransUnion violate specific provisions of the Fair Credit Reporting Act ( FCRA ), notably : Section 611 ( a ) : Failure to conduct a reasonable reinvestigation within 30 days of receipt of my dispute. The bureaus neglected their statutory duty by inadequately addressing my disputes, resulting in continued reporting inaccuracies. 
Section 607 ( b ) : Failure to follow reasonable procedures ensuring maximum possible accuracy of the information contained in my credit report. Their negligence in accurately reporting and safeguarding my information has resulted in significant financial harm, including a diminished credit score, increased interest rates, emotional distress related to potential identity theft, and substantial inconvenience. 
Given the severity of the situation, I respectfully request an immediate and thorough investigation into this matter, the removal of all incorrect information from my credit reports, strengthened data security measures to protect consumers, and appropriate corrective actions as prescribed under the FCRA. 
Thank you for your prompt attention to this serious matter. I look forward to your timely response and resolution.

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 2025-07-16 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX  days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX  days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief