vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
On XXXX XXXX mailed a letter tracker XXXX AND ALSO, On XX/XX/year> mailed a letter tracker XXXX to Experian demanding the immediate removal of this inaccurate information and request an updated copy of my credit history report. Over 7 months and one month ago with no response or deletion from credit history and its hurting my availability to obtain credit. 
On XX/XX/year> with tracke : r XXXX ( XXXX ) On XX/XX/year> with tracker : XXXX ( XXXX ) I kindly ask to DELETE. Please Help, Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
On XXXX XXXX mailed a letter tracker XXXX AND ALSO, On XX/XX/year> mailed a letter tracker XXXX to Experian demanding the immediate removal of this inaccurate information and request an updated copy of my credit history report. Over 7 months and one month ago with no response or deletion from credit history and its hurting my availability to obtain credit. 
On XX/XX/year> with tracke : r XXXX ( XXXX ) On XX/XX/year> with tracker : XXXX ( XXXX ) I kindly ask to DELETE. Please Help, Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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:
My account with 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. 


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 2025-02-14 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for falling to properly investigate my dusputes regaurding inaccuracies in my credit report. Despite my submissions, Equifax consistenly 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 S 1681i, witch madates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the cuonsumer financial protection act ( CFPA ), 12 U.S.C s 5536 ( a ) ( 1 ) ( A ) - ( B ), as Highlighted in CFPB 's Recent administrative proceeding ( file NO. 2025-CFPB-0002 ) against them for similar violations. i request that cfpb take action to ensure Equifax complies with the necessay proof of investigation Accounts with inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: VA

Complaint narrative:
To Whom It May Concern, I am ( XXXX XXXX, social security number XXXX ) writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-02-14 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: VA

Complaint narrative:
To Whom It May Concern, I am ( XXXX XXXX, social security number XXXX ) writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-02-14 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: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-14 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: IL

Complaint narrative:
I can not believe that I am still dealing with errors on my report that should have been corrected long ago. These inaccuracies are damaging my financial health, limiting my opportunities, and making it incredibly difficult for me to move forward. It is absolutely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-14 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
As Defined by the IRS : XXXX IRS considers a charge-off to be income ; XXXX, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report is not accurate. By the IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 

According to XXXX XXXX XXXX XXXX, Santander, XXXX a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away. 

** XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and, the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Please delete this incorrect information from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: OH

Complaint narrative:
Issue : Inaccurate credit report information for XXXXXXXX XXXX XXXX account. 
Details : The current balance and date of last entry on the Experian credit report were incorrect. A payment was made, but it was not reflected accurately on the report.

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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Fundo LLC
State: IN

Complaint narrative:
I have been a victim of a fraudulent UCC filing by FUNDO LLC, a XXXX XXXX  and XXXX XXXX. 
Where they improperly placed a lien on my XXXX XXXX account without your knowledge or consent, significantly impacting my business operations due to the frozen funds. 
I was not notified about the UCC lien placed on my XXXX XXXX account by the XXXX XXXX, indicating a potential violation of proper procedures. 
My attempts to contact the XXXX XXXX  were ignored, further raising concerns about their legitimacy. 
The Indiana Secretary of State confirmed the UCC filing as fraudulent, indicating a clear legal issue. 
My research suggests the XXXX XXXX  has a reputation for questionable practices. 
I have had a ucc lein from a certain XXXX XXXX  for almost 3 years. I've done nothing but research this happening. I was never informed of the ucc filing. Even XXXX XXXX didn't tell me about it until XXXX. The XXXX ignored all my calls and XXXX XXXX customer service didn't exist in XX/XX/XXXX. 
When I finally got wind of the situation, my XXXX XXXX and XXXX XXXX  were froze. This was the down fall of my business and honestly my whole being. Work was my life. Up until last week I didn't know I was such a victim. 
I was wondering why there was never a subpoena or why they never took the money out of account my XXXX XXXX just stayed at the same balance since XX/XX/XXXX. So I decided to call the Indiana secretary of state. 
I seen differences in my document. They verified it was a fraudulent ucc and I needed to contact a attorney or contact the lender to get it removed because they weren't legally allowed to do it. All XXXX XXXX  has done is give me the name of the lein holder and you wouldn't believe who it is. 
My research I see you've wanted this guy buy he seems to be slippery. But I've done my home work and would love a sit down and see what we can do legally for my loss and protection because honestly I don't trust the man. Then recently 2days ago I had XXXX XXXX  send me the lien holders info again. Resulting in it being XXXX XXXX 
Also, the lien holder keeps switching to XXXX XXXX to XXXX and XXXX PA. I have been told that FUNDO LLC doesnt even have any of my information regarding the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
Requested on several different companies to verify original paperwork for debt and they have stated that debt has been verified when it has not when disputed on account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: IL

Complaint narrative:
XXXX. XXXX XXXX XXXX has a {$0.00} balance. my account number is XXXX. 
Please remove this off my credit immediately. They stated on a recorded line that this will be removed once paid. Remove this immediately. 

XXXX. Comenity bank sold the debt to XXXX. XXXX XXXX  violated the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate information about this account to the credit bureaus even after the debt was sold to a third-party debt collector. This charge off account can not be reported to my credit profile, please send a XXXX form. IF this can't be sent, by law this must be removed XXXX. Creditor : XXXX Account XXXX : XXXX I have submitted multiple complaints asking for documentation and verification for this debt and i was never provided proof of this debt. I provided the credit bureaus as well as worldmark proof that my name can not be found in the timeshare database. 
According to the FCRA, any information reported to the credit bureaus must be accurate and verifiable. If my name does not appear in your internal database and there is no record of my involvement with the timeshare, there is no justification for this account to be reported to the credit bureaus as an outstanding debt or obligation. 

By continuing to report inaccurate information, XXXX by XXXX is causing harm to my credit profile and is in direct violation of the FCRAs requirement for accurate credit reporting. 

I demand that you immediately correct this error by removing any references to this account from all credit reporting agencies within these 15 days.

Company response to consumer: Closed with explanation