vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
THIS IS THE SECOND TIME THAT THIS COMPLAINT IS BEING FILED. The first complaint was submitted on XXXX and I did not receive a response. 

My social security number was run multiple times when I was recently looking for a vehicle. I did not give any business permission to run my social security number multiple times. As a result of this action, Experian is wrongfully reporting 15 inquiries. There are FOUR hard inquiries dated XX/XX/XXXX, and SEVEN inauiries were conducted on XX/XX/XXXX. Experian is wrongfully allowing multiple inquiries done on the SAME DAY to be reported. I submitted a dispute to Experian in XX/XX/XXXX regarding the multiple inquiries yet Experian ignored it and DID NOT REMOVE THE MULTIPLE HARD INQUIRIES. This is yet another prime example of the very reason for the CFPB 's XXXX lawsuit against Experian. It is additional PROOF that even in spite of being sued, Experian still does not take sufficient steps to intake, process and investigate disputes. Experian apparently has no regard for upholding the FCRA laws which is unacceptable. I am asking for the CFPB to enforce consumer protection laws and require Experian to remove all of these unauthorized multiple inquiries immediately.

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 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portnoff Law Associates, Ltd.
State: PA

Complaint narrative:
My name is XXXX XXXX address is XXXX XXXX XXXX, XXXX XXXX PA XXXX. I didn't receive trash bills from my township and when I did, I made a payment and the township applied it to a recent bill and not the old one bill. I signed up for ACH auto payments to make sure they were paid timely, my credit score is over XXXX and important to me. Portnoff dept collectors put a lien on my home for 4 times the amount of township trash bill of {$290.00}. I paid it in full and requested a payoff letter which they " said '' they would email to me however they never did. I've spend hours on hold trying to communicate with them and they keep giving me the run around. I paid {$820.00} on XX/XX/year> and {$380.00} on XX/XX/year> to satisfy the lien. They are steeling from me and extorting me by putting a lien on my home. I went to the court to file and never received a court date to dispute this erroneous charge. I needed the lien removed for the original bill of {$290.00} and ended up paying a whopping {$1200.00} in order to get the lien removed. If you XXXX  Portnoff your can see that they are stealing money from people. I'ts hard enough for me to deal with this, but I can't imagine what senior citizens are going through and are being ripped off! This is a disgrace. Can you please help me and all of the other victims of Portnoff? Thank you very much. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
In reviewing my Experian and Transunion reports I noticed that a collection from XXXX XXXX XXXX XXXX is reporting inaccurately. It has also surpassed the statute of limitations for the debt. It does not accurately list the date of first delinquency, which would have been in XXXX. It shows the account as being opened in XXXX. This is inaccurate as well. I would like a copy of the original agreement, ALL monthly statements from date account was opened, and all documents showing payments made from a valid bank account that is held in my name, and documentation showing they are legally allowed to collect this debt, along with a 1099 from the original account holder, showing they earned income by writing off this debt and selling it to the debt collector.

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 2025-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID

Complaint narrative:
We applied for a loan modification, jumped through all the hoops. Got approved but they backdated the modification that had us three months in arrears. They will not help to make the modification current and have turned it over to their lawyer. They are not willing to help or adjust the modification, even after putting in a new modification and dispute. They are not willing to work with us with our loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>2025, I requested my credit report and noticed that Bank of America has placed a note on my report regarding a checking account fraud. I have never committed any type of fraud and have not used Bank of America in years. I never received notification of this, and was never aware this occurred. I need this removed from my account as soon as possible as well as investigated. I lost my card and never used the account again since that time period.

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 2025-03-25 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 sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-25 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurately reported late payments on my mortgage account with XXXX  Account # : XXXX, which are currently reflected on my credit report for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These delinquencies are being reported in error. I am enrolled in a XXXX XXXX XXXX XXXX XXXX program with my mortgage servicer. Under this federally supported program, my missed payments were not considered latethey were contractually moved to the back of the loan and are to be repaid at the end of the mortgage term. My next scheduled monthly payment is not due until XX/XX/XXXX, per the agreement. 

Additionally, the mortgage servicer reports a {$7500.00} past due amount, which is not currently due but has been deferred under the terms of the program. I have attached a letter from my mortgage company confirming these details. 

In accordance with FCRA 611 ( 15 U.S.C. 1681i ), I am requesting an immediate investigation and correction of these inaccurately reported late payments. Furthermore, under the CARES Act Section 4021, if a borrower was current before entering into a COVID-19 payment accommodation and complied with the terms, the account must be reported as current throughout the accommodation period. 

At the time I entered the plan, my account was in good standing. I have fully complied with all terms of the agreement. Therefore, the reported delinquencies are inaccurate, misleading, and in violation of federal credit reporting law. 

Request for Resolution : Delete all reported late payments from XX/XX/XXXX through XX/XX/XXXX. 
Update the account status to reflect a current, compliant payment history. 
Correct the {$7500.00} past due balance to reflect the deferral status and not an active delinquency. 
Provide written confirmation of the results of your investigation within the 30-day timeframe required by law. 

Please consider this a formal dispute under the Fair Credit Reporting Act. A copy of the official letter from my mortgage servicer confirming the XXXX XXXX XXXX XXXX is included. 

Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX Incorrect information identified in reports from all three credit bureaus. Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure 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 non-monetary relief
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MD

Complaint narrative:
These companies accessed my credit report without my authorization, causing harm to both my credit and my score. I contacted TransUnion, and a representative assured me that these inquiries would be removed. However, they still remain on my report. The presence of these unauthorized and fraudulent inquiries is deeply concerning, making me anxious about the possibility of identity theft. This situation has added unnecessary stress to my life while further damaging my credit score.

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 2025-03-25 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: FL

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
On the XX/XX/year> between XXXX and XXXX I called transunion to report the fraud and unauthorized inquiries when I called I was told lies was rudely talk to and hung up on the agent on be XXXX XXXX being her surname lord on behalf of transunion trying to get the beneficiary me XXXX  to mail in my dispute which I stated I cant XXXX XXXX and my best way of communicating is over the phone she lied and deprived me of my consumer rights as her being a fiduciary and having a duty to help me she breach our contract and lied about her name and presenting me her identity as well I got into with a manager and she was already prepped to talk to me from my last call with XXXX but she said she would dispute them and gave me a confirmation case number which is XXXX Im want the inquiry cause I never open that inquiry nor thoses accounts. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My account with EQUIFAX 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 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I am requesting validation of this debt. 
Please provide complete information on the original creditor, original account number, the date this account was opened, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges. 
If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request. 
At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days. 
If validation is not provided, I will expect this item to be removed from my credit reports and further collection activity to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-25 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Sent a debt validation request letter in XX/XX/XXXX, didn't hear back, and received a court summons left in my mailbox on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After a long process of disputing they again come back verified accurate instead this time they send me a lease agreement thats signed. No where in the info signed showed what they are collecting on or adds up to the amount they are collecting on I can not pay something i dont know what im paying what was sent was a lease agreement and they keep saying its accurate when that charge is not accurate at all. I request the information regarding exactly what those charges are and agreement with the people collecting in which Ive never had an agreement with.

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