vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I am requesting the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. Per USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
There is inaccurate information on all three of my reports. I've tried to dispute over and over again. i'm told the information was already investigated so they will not reinvestigate the items any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : **Formal Complaint Regarding Inaccurate Credit Reporting and Data Breach** To Whom It May Concern, I am writing to formally file a complaint regarding the ongoing failure of Experian, TransUnion, and Equifax to correct significant inaccuracies on my credit reports. Their negligence appears to be a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require that credit reporting agencies maintain accurate information and correct errors in a timely manner.

Despite my repeated attempts to dispute the following account, these agencies have failed to take appropriate actions : **Account : XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ) ** - This account is inaccurately reported as " Charged Off. '' I possess documentation proving that I have made timely payments. The FCRA mandates that you report accurate information ; this blatant misrepresentation must be rectified immediately.

**Payment Status Issues : ** - The reports claim I was 30 days past due and was past due 90 days. These statements are false and misleading. Under FCRA 607, all information reported must be accurate ; the failure to do so is unacceptable.

**Inconsistent Balances : ** - The reported balances for this account differ across bureaus ( TransUnion : {$37000.00} ; Equifax : {$9900.00} ). This inconsistency violates the FCRAs requirement for accuracy and completeness in reporting.

Moreover, I am aware of the data breach that recently affected these credit reporting agencies, compromising the personal information of countless consumers, including myself. This breach raises serious concerns about the integrity and security of the information being reported. Under U.S. Code 1030, organizations must take appropriate measures to protect consumer data, and the failure to do so only adds to my concerns regarding the accuracy of my credit report. 

Given these violations, I demand immediate action from the CFPB to investigate these matters thoroughly. Should these inaccuracies not be rectified promptly, I will pursue all available legal remedies, including seeking damages for harm caused by these reporting errors. 

Please acknowledge receipt of this complaint and inform me of any actions taken to address these serious issues. Thank you for your immediate attention to this matter.

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 2025-02-04 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: CA

Complaint narrative:
Subject : **Formal Complaint Regarding Inaccurate Credit Reporting and Data Breach** To Whom It May Concern, I am writing to formally file a complaint regarding the ongoing failure of Experian, TransUnion, and Equifax to correct significant inaccuracies on my credit reports. Their negligence appears to be a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require that credit reporting agencies maintain accurate information and correct errors in a timely manner.

Despite my repeated attempts to dispute the following account, these agencies have failed to take appropriate actions : **Account : XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ) ** - This account is inaccurately reported as " Charged Off. '' I possess documentation proving that I have made timely payments. The FCRA mandates that you report accurate information ; this blatant misrepresentation must be rectified immediately.

**Payment Status Issues : ** - The reports claim I was 30 days past due and was past due 90 days. These statements are false and misleading. Under FCRA 607, all information reported must be accurate ; the failure to do so is unacceptable.

**Inconsistent Balances : ** - The reported balances for this account differ across bureaus ( TransUnion : {$37000.00} ; Equifax : {$9900.00} ). This inconsistency violates the FCRAs requirement for accuracy and completeness in reporting.

Moreover, I am aware of the data breach that recently affected these credit reporting agencies, compromising the personal information of countless consumers, including myself. This breach raises serious concerns about the integrity and security of the information being reported. Under U.S. Code 1030, organizations must take appropriate measures to protect consumer data, and the failure to do so only adds to my concerns regarding the accuracy of my credit report. 

Given these violations, I demand immediate action from the CFPB to investigate these matters thoroughly. Should these inaccuracies not be rectified promptly, I will pursue all available legal remedies, including seeking damages for harm caused by these reporting errors. 

Please acknowledge receipt of this complaint and inform me of any actions taken to address these serious issues. Thank you for your immediate attention to this matter.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
am writing to formally dispute the recent actions taken by XXXX XXXX XXXX, XXXX XXXX, and XXXX in connection with my credit file and credit reporting under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681o. I believe these entities have failed to comply with their legal obligations, resulting in potential civil liability for negligence. 
According to the FCRA, entities such as yours are required to ensure that any information provided to credit reporting agencies is accurate, complete, and updated. Specifically, you are required to investigate disputes in a timely and thorough manner and correct any inaccuracies promptly. Please be advised that under 15 U.S. Code 1681o, if it is determined that there was negligence in your handling of my dispute or failure to comply with the FCRA, you may be liable for damages, including actual damages, statutory damages, and attorneys fees. If this issue is not resolved promptly and to my satisfaction, I will not hesitate to pursue further legal action as necessary. 
I expect a response to this dispute within the timeframe prescribed by law ( typically 30 days from the receipt of this letter ). Please consider this letter a formal request for investigation and resolution. 
Thank you for your prompt attention to this matter.

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 2025-02-03 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: NY

Complaint narrative:
am writing to formally dispute the recent actions taken by XXXX XXXX XXXX, XXXX XXXX, and XXXX in connection with my credit file and credit reporting under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681o. I believe these entities have failed to comply with their legal obligations, resulting in potential civil liability for negligence. 
According to the FCRA, entities such as yours are required to ensure that any information provided to credit reporting agencies is accurate, complete, and updated. Specifically, you are required to investigate disputes in a timely and thorough manner and correct any inaccuracies promptly. Please be advised that under 15 U.S. Code 1681o, if it is determined that there was negligence in your handling of my dispute or failure to comply with the FCRA, you may be liable for damages, including actual damages, statutory damages, and attorneys fees. If this issue is not resolved promptly and to my satisfaction, I will not hesitate to pursue further legal action as necessary. 
I expect a response to this dispute within the timeframe prescribed by law ( typically 30 days from the receipt of this letter ). Please consider this letter a formal request for investigation and resolution. 
Thank you for your prompt attention to this matter.

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 2025-02-03 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with completed accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/scrub> 2023 and XX/XX/scrub> 2023. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with completed accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/scrub> 2023 and XX/XX/scrub> 2023. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 2025-02-03 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. I am attempting to do my due diligence to improve myself and my families life. This account is hurting my ability to obtain credit. Its my understanding that Trans Union, Experian & Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX

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 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
{$2700.00} is not the correct amount owed on this account. Per the lease agreement, the original creditor illegally charged me an extra {$1000.00} for a lease break fee. Per the lease agreement, the amount was not to exceed {$1000.00} for a lease break. I disputed with this debt collector and they failed to approve my dispute, as it is valid. I would like to file a FDCPA suit against this company immediately if they don't follow suit in this legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MO

Complaint narrative:
Your company has not done a proper investigation on my consumer report, and I do plan on using case law due to your company being sued right now for improper investigations. I have revoked your company Power of Attorney, so I demand that your company do as I say with my consumer report that I have Power of Attorney over. I have sent complaint on complaint using many laws that govern specifically the FAIR CREDIT REPORTING ACT 15 USC 1681. Please reinvestigate my consumer report and fix all the violations I keep telling your company about. I don't want any account showing any transaction history nor the experiences I am having with the companies, I just want the accounts to be reported as " Updated, Paid as agreed '' as according to 15 USC 1681a. Also, anything to do with education on my report please remove since it's illegal according to the FERPA ACT ( 20 USC 1232g ) and The Privacy Act of 1974. There are many other violations I have already complained about before that need to be fixed still. Please know that according to 15 USC 1681n Civil liability for willful noncompliance and 15 USC 1681o Civil liability for negligent noncompliance your company is in violation of both, and I can hold your company accountable up to a {$1000.00} per violation which I have invoiced multiple times about and even asked for Arbitration Fee Waiver as your company says I can do but no response. If my consumer report isn't fixed the correct way according to the law, I will be holding your company accountable for every violation due to causing me many denied applications that I have proof of, emotional stress and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Introduction & Overview of Complaint I am filing this formal complaint against Affirm , Inc., for failing to provide a cure period before reporting a late payment, which has inaccurately impacted on my credit report and is now threatening my ability to secure a home loan scheduled to close on XX/XX/XXXX. 
This complaint is not just about a single inaccurate credit reporting incident, it is about the real life impact it is having on me and my entire family. 
I am my family 's primary provider, and we have been planning this home purchase for years to provide stability and security. 
Because of this unjustified credit reporting error, my lender is now reconsidering the mortgage approval or may increase my interest rate significantly.

If this is not resolved immediately, my family may lose the home we have already invested time and money in securing. 
On a call on XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXX, with the assistance of XXXX XXXX XXXX, informed Affirm of an anticipated late payment and sought information regarding a cure period before adverse credit reporting. Affirms representative, XXXX, stated that Affirm does not offer a cure period because they do not impose late fees. 
XXXX Under Virginia law, expressly XXXX ( B ) of the Code of Virginia, lenders are permitted to charge a late payment fee of {$20.00} for any payment not received within 10 days of the due date. This implies a 10-day grace period during which a borrower can make a late payment without incurring a late fee. While the statute does not explicitly mandate a cure period, the allowance for a late fee after 10 days suggests that lenders should provide a 10-day window before taking adverse actions, such as reporting to credit bureaus. 
This directly violates Virginia consumer lending laws and federal credit reporting statutes, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
This complaint is submitted with XXXX XXXX XXXX, a financial advocate with expertise in government and consumer financial matters ( not an attorney ). 
II. Complaint Details A. Consumer & Loan Information : Complainant Name : XXXX XXXX XXXX ( Last Four Digits ) : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Financial Institution Involved : Affirm , Inc . 
Account Type : Installment Loan for Consumer Purchase High Credit Amount : {$1600.00} Balance : {$0.00} ( Paid in Full ) Date Reported Late : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX III. Violations and Personal Harm to My Family A. Failure to Provide a Cure Period Before Reporting a Late Payment Violation of Virginia Consumer Lending Laws Affirm failed to provide me with a legally required grace or cure period before reporting my late payment to credit bureaus.

Company response to consumer: Closed with explanation