vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: NC

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MO

Complaint narrative:
Subject : Dispute of Late Payment Reporting on my Discover Credit Card Account Dear Sir or Madam, I am writing to formally dispute the inclusion of late payments on my credit report for my Discover Credit Card account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I request an immediate correction and removal of any such inaccurate or unfairly reported late payments.

Under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a " consumer report '' excludes any report containing information solely related to transactions or experiences between the consumer and the entity making the report. As such, late payments that do not impact creditworthiness beyond the direct relationship between Discover and myself should not be reported to consumer reporting agencies as adverse credit events.

Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must not report information that they know or have reasonable cause to believe is inaccurate. If the reported late payments resulted from extenuating circumstances, billing errors, or delays beyond my control, their inclusion on my credit report would constitute a violation of this provision.

Additionally, the FCRA grants consumers the right to dispute the completeness and accuracy of any item in their file. Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, a credit information furnisher must conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable. 
Given these legal protections, I formally request that this company review this matter and remove any late payment not in compliance with the above provisions. Please provide written confirmation of the actions taken within 30 days, as required under FCRA. 
Should you require any further documentation or clarification, please let me know at your earliest convenience. I appreciate your prompt attention to this matter. I have attached a copy of the law, which says that the alleged late payment ( XXXX ) should not be reported on my credit report. I ask you kindly to abide by the law and update my account to be paid as agreed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My escrow analysis was ran XX/XX/XXXX and I was told my escrow shortage amount was XXXX originally by a representative on XX/XX/XXXX. He told me that if I paid that amount in full my new monthly payment would be XXXX every month until next year 's analysis is ran. Well, I called again on XX/XX/XXXX spoke with a Rep named XXXX and was told that after I sent in an amount of XXXX into my escrow shortage. That the remaining balance was only XXXX and when I called on XX/XX/XXXX I spoke with another representative and they stated again that my shortage amount in my escrow was XXXX. Well then on Monday XXXX/XXXX/XXXX spoke with an escalations representative who told me that what I was told was not correct, but that she sees where they told me that after I paid the shortage amount of XXXX that my final balance would be XXXX as my new monthly mortgage and that she would be escalating it over to the escrow department so that they would honor what I was told of the XXXX. But called back today and still no answers and getting the run around from every one I talk with. Now my mortgage is due on Saturday and still no resolve with why I am now being told XXXX a month for my mortgage instead of the amount of XXXX that I was told originally. This company is horrible and trying to get extra money out of me and this is very bad business.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am writing to request the removal of an unauthorized credit inquiries on my credit report. My latest credit report shows 18 hard credit inquiries that I did not authorize or approve of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to request the removal of an unauthorized credit inquiries on my credit report. My latest credit report shows 18 hard credit inquiries that I did not authorize or approve of.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The following accounts are claiming to both own the same debt with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report Account XXXX : ( Experian ) ( XXXX ) Account XXXX : ( Equifax ) ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: MO

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
Dear XXXX XXXX or New Owner Please send me a copy of my credit report and also advise me of how my information was obtained and placed a security freeze on my account so that its not shared with any third-party. Thank you. 
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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccurate reporting on my credit file by XXXX XXXX. This account was paid in full on XX/XX/XXXX, as shown in the attached settlement document. However, XXXX XXXX incorrectly updated the account in XX/XX/XXXX, making it appear recent. This false reporting is damaging my XXXX XXXX and misrepresenting my payment history. 

I have attempted to resolve this issue through XXXX, but their online dispute system has been unavailable despite multiple attempts. I am requesting that XXXX XXXX and all credit reporting agencies immediately correct the reporting to reflect the actual date of closure and last payment. 

Under the Fair Credit Reporting Act ( XXXX  ), I have the right to accurate reporting, and failure to correct this issue is a violation of federal law. I request an urgent review and correction of my file. I expect a written response 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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing inaccurate reporting on my credit file by XXXX XXXX. This account was paid in full on XX/XX/XXXX, as shown in the attached settlement document. However, XXXX XXXX incorrectly updated the account in XX/XX/XXXX, making it appear recent. This false reporting is damaging my credit score and misrepresenting my payment history. 

I have attempted to resolve this issue through Equifax, but their online dispute system has been unavailable despite multiple attempts. I am requesting that XXXX XXXX and all credit reporting agencies immediately correct the reporting to reflect the actual date of closure and last payment. 

Under the Fair Credit Reporting Act ( XXXX  ), I have the right to accurate reporting, and failure to correct this issue is a violation of federal law. I request an urgent review and correction of my file. I expect a written response within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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