vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
I am filing a complaint against Experian for failing to investigate inaccuracies on my credit report despite multiple disputes. I have repeatedly requested proof of investigation and the outcome, but Experian has provided none. This violates 15 U.S.C. 1681i and 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). Their actions mirror allegations in the 2025 CFPB lawsuit against them. 

Below, are the accounts listed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
I am filing a complaint against Experian for failing to investigate inaccuracies on my credit report despite multiple disputes. I have repeatedly requested proof of investigation and the outcome, but Experian has provided none. This violates 15 U.S.C. 1681i and 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). Their actions mirror allegations in the 2025 CFPB lawsuit against them. 

Below, are the accounts listed. 

XXXXXXXX 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently noticed unauthorized hard inquiries on my credit report which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, companies must have a permissible purpose to pull my credit report, and I have not given consent for these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Edge Home Finance, LLC
State: MD

Complaint narrative:
Originally asked for a copy of the appraisal 3 days before settlement, I was told I would get a copy at settlement. I had applied for a XXXX loan. 
Then I found a different loan officer who stated he would charge lower fees and lower interest rates Again, I told the first loan officer I wanted a copy of the appraisal. XXXX said I never paid for the appraisal and had XXXX him the cost of appraisal and credit check fees, and he would send me the appraisal right away. That was XX/XX/XXXX, I have called and texted and sent him emails asking for the appraisal. In the last conversation I had with him he told me : " I am to busy now " So XXXX XXXX still has not sent me the appraisal. 

Loan Officers name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I am writing to dispute the inaccurate late payment entries reported on my credit report concerning the account referenced above. As the Executor and Trustee of the trust account associated with this account, I have both the legal right and fiduciary duty to ensure that the information reported is accurate and in full compliance with applicable consumer protection laws. 

Upon reviewing my credit report, I discovered that late payment entries have been inaccurately reported, specifically for the 30-day late payments. This entry does not reflect my true payment history. Additionally, this account was closed at my request, and I have no record of any late payments associated with this account. 

To address this matter, I first invoked the Privacy Act and opted out of sharing my private financial information. As of [ Insert Date ], I rescinded my consent for XXXX XXXX XXXX and its affiliates to share any nonpublic personal information with third parties, including credit reporting agencies, pursuant to the Gramm-Leach-Bliley Act ( GLBA ). I exercised my right under these laws to protect my private financial information. 

After the invocation of the Privacy Act, I demand that the inaccurate late payment entries be removed immediately from my credit report. These entries are harmful to my financial standing, and they do not accurately reflect my true payment history. 

As the Trustee of this trust account, I am invoking the fiduciary duties to protect the integrity of my financial records, ensuring that any reporting made by your company is accurate and truthful. I hereby request that within 30 days from the date of this letter, you : I trust that you will promptly address and resolve this issue in compliance with the relevant laws and my rights as the Trustee of this account. 

Thank you for your attention to this matter. I expect a prompt resolution and look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I am disputing an inaccurate late payment reported by [ XXXXXXXX XXXX XXXXXXXX ] to [ Experian Information Solutions Inc. ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXXXXXX  ]. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
This is unacceptable. I expect these accounts to be verified and removed immediately. If action is not taken right away, I will escalate this matter until it is properly handled. This needs to be fixed NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is unacceptable. I expect these accounts to be verified and removed immediately. If action is not taken right away, I will escalate this matter until it is properly handled. This needs to be fixed NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CO

Complaint narrative:
Accts # XXXX & XXXX non-permissible, according to regulation F and 15 USC1681e ( b ) and 15 USC 1681s-2 ( A )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CO

Complaint narrative:
Accts # XXXX & XXXX non-permissible, according to regulation F and 15 USC1681e ( b ) and 15 USC 1681s-2 ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I did a loan modification with my previous mortgage server and they transferred the loan and the new servicer was supposed to honor the previous agreement and they didnt honor the previous agreement XXXX XXXX, NJ XXXX mortgage [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> amerihome.loanadministration.com HOURS OF OPERATION Customer Service : XXXX XXXX XXXX XXXX XXXX  ET M-F Collections Dept. : XXXXXXXX XXXX XXXX XXXX XXXX  ET M-F XXXX Qualified Written Requests, notifications of e or requests for information concerning your must be directed to : XXXX XXXXXXXX XXXX XXXX NJ XXXX NOTICE OF SERVICING TRANSFER XXXX XXXX XXXX XXXX XXXX Current Loan Number : XXXX Freedom Mortgage Corporation New Loan Number : 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 2025-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
At the end of my 3 year lease term for a XXXX  XXXX XXXX that I leased through Hyundai Motor Finance I received an Itemized Bill and Estimate of Excess Wear and Damage and Notice of Rights statement. Not agreeing with some of the damage they have called out as being excessive, I attempted to resolve the dispute directly with Hyundai Motor Finance. While I was transferred around to various departments over an approximately 3 hour period of being on the phone, I was told by numerous employees in the Lease Maturity Department and Lease End Option that I am not permitted to dispute the findings despite the fact that the Notice of Rights Statement they sent me specifically articulates that I am permitted that ability. Even more frustrating is that the last representative initially acknowledged to me that when viewing the pictures the " independent '' appraiser took of the car he too could not see the damage. Clearly, something that can be argued whether there is any damage at all, should not be considered as excessive damage for a 3 year old vehicle. I would like the CFPB to look into these deceptive and misleading sales practices on my behalf. Specifically advising their own customers they do not have rights that the law indicates they specifically do to avoid any potential that will come out of a successfully argued arbitration case. I still do not know how or where to pursue an arbitration case and am seeking the CFPB 's assistance in obtaining and communicating that information to me to action. I have recordings of the calls if it will help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 was a victim of identity theft, i need this off my credit i did not open this accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
i was a victim of identity theft, i need this off my credit i did not open this accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I cant believe Im still dealing with this. Ive contacted you multiple times regarding the inaccurate accounts that are still in litigation, yet they remain on my credit report. This has been dragging on for far too long, and Im at my breaking point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They are trying to collect something that I dont owe Midland credit management inc

Company response to consumer: Closed with explanation