vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute certain information that appears on my credit report, which I believe to be inaccurate and request its immediate correction. 

Specific Disputed Item ( s ) : Creditor Name : XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX  XXXX Reported Balance/Status : 1 MISSED PAYMENT CLOSED, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX XXXX  Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX XXXX XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX  XXXX Reported Balance/Status : 3 MISSED PAYMENTS, CLOSED, 90-119 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 



Thank you for your prompt attention to this matter. Protecting and ensuring the accuracy of my credit report is of utmost importance to me, and I trust that you will handle this dispute with the seriousness it deserves. 

Sincerely, 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 2025-03-18 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: IL

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 explanation
Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 non-monetary relief
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed/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 XXXX 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. 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!

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 2025-03-18 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXXXXXX 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 XXXXXXXX - XXXX XXXX XXXXXXXX - 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 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-18 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-18 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: UT

Complaint narrative:
XXXX has refused to allow me the ability to dispute my student loans after the Department of Government Efficiency wrongfully and illegally accessed my personal and financial private student records. On XX/XX/year> they would not provide me information on how to directly dispute the loan with them. 

My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt. You have XXXX ( XXXX ) 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 2025-03-18 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

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: CA

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 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 2025-03-18 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: IL

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 XXXX 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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got a called today XXXX XXXX XXXX XXXX XXXX threathing me with a civil case message This message is for XXXX and XXXX regarding case file number XXXX XXXX this is major with the processing and dispatch center will contact you regarding a serious legal matter currently into our department associated under your name. Immediate communication is required in the next 24 hours with legal department handling this case failure to respond by result, necessary, legal actions being taken this is your positioner notification regarding this matter please treat this with urgency and contact is probably to address the issue at XXXX. 


Just yesterday I withdrew the complaint against them for closing my accounts, Ive never had any accounts with them before and I told them I was a victim of identity thef.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-18 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to my formal Method of Verification ( MOV ) request and their failure to comply with federal law. 

XXXX. Experians Violation of FCRA XXXX ( a ) ( XXXX ) ( Failure to Provide MOV ) On XX/XX/year>, I sent Experian a certified Method of Verification ( MOV ) request requesting written proof of how they verified a disputed account with XXXX XXXX XXXX  on my credit report. 
Experian received my request on XX/XX/year> ( I have proof of delivery ). 
Under FCRA XXXX ( a ) ( XXXX ), Experian was required to provide a response within XXXX  days, detailing their investigation process, including : The method used to verify the information. 
The name and contact details of the entity that provided the verification. 
Copies of any supporting documentation relied upon. 
Experian did not provide this required information within the timeframe and has still failed to respond in compliance with the law. 
XXXX. Experians Violation of FCRA XXXX ( a ) ( XXXX ) ( A ) ( Failure to Delete Unverified Information ) Since Experian failed to provide verification within the legally required timeframe, they are required under FCRA XXXX ( a ) ( XXXX ) ( A ) to delete the disputed account. 
Instead, they continue to report the XXXX XXXX XXXX account, negatively impacting my creditworthiness. 
XXXX. Experians Ongoing Noncompliance & Consumer Harm I have contacted Experian multiple times regarding this matter and have received no legally compliant response. 
Due to their refusal to comply with the FCRA, I have suffered : Financial harm ( denied credit opportunities and loans ). 
Emotional distress ( ongoing frustration in attempting to resolve this matter ). 
Damage to my credit profile due to the continued reporting of an unverified account.

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 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I purchased an insurance home-auto policy in XXXX from XXXX. In XXXX I noticed my monthly payment were not coming out. I called everyday trying to get someone to explain what happened. Finally after weeks I found out that someone made a mistake and canceled the policy. Apparently when I CANCELED THE AUTO INS. THE POLICY WAS CANCELED. The policy was renewed on XX/XX/XXXX XXXX the policy number was changed and was no longer XXXX it was now XXXX. In XXXX once again the payments stopped coming out of my account for several months. I wasn't able to get anyone to help me. SO I payed {$460.00} in XX/XX/XXXX to keep the policy active. I had a XXXX XXXX  and spent time in the hospital. When I returned home I discovered my policy lapsed. I IMMEDIATELY REPLACED THE INSURANCE. Chase now wants me to pay {$480.00}. for the lapsed period XX/XX/XXXXXXXX  to XXXX/XXXX/XXXX. I called Chase and the associate told me he couldn't help me. I spoke to my new Insurance company XXXX they said No insurance companies will write a policy going backwards. I went to the XXXX XXXX XXXXXXXX they also refused. I have no place else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of an item ( or items ) on my credit report as provided by your agency under the standards established by theFair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ]. I believe this/these item ( s ) is/are inaccurate or incomplete and must be investigated and corrected in a timely manner. Per the FCRA, I am entitled to an investigation into this matter, and inaccuracies must be corrected or removed if they can not be verified within 30 days of receipt of this letter. 
It is important to note that consumer credit data has become increasingly vulnerable in recent years due to significant data breaches involving credit reporting agencies. As you are aware : XXXX. Equifax : In XXXX, Equifax suffered XXXX of the largest U.S. data breaches in history, exposing the personal information of approximately XXXX XXXX consumers. Hackers accessed sensitive data such as Social Security numbers, addresses, and dates of birth. 
XXXX. Experian : While not as widely publicized, Experian has also been involved in multiple security incidents, such as the breach in XXXX that exposed personal information of XXXX XXXX individuals in connection with a XXXX  data breach. 
XXXX. TransUnion : TransUnion has also faced scrutiny and lawsuits for data security issues, including manipulation of credit files and breach incidents involving unauthorized access to sensitive consumer data. 
Given the data breaches that have exposed consumer information, it is even more critical that the accuracy of information reported be thoroughly vetted and corrected where necessary. 
Additionally, I am requesting that you provide me with a full investigation and validation of this/these disputed account ( s ) and a report of your findings. Pursuant to the FCRA, you are required to notify me of the results of your investigation within XXXX calendar days and provide me updates to my credit report should any inaccuracies have been found and corrected.

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