vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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 XXXXXXXX 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Equifax requesting the immediate blocking and removal of fraudulent accounts from my credit report under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). My submission included : A valid FTC Identity Theft Report ( Report # XXXX, dated XX/XX/year> ). 
A notarized affidavit of dispute ( dated XX/XX/year> ). 
Government-issued identification ( passport and Social Security card ) to verify my identity. 
A list of fraudulent accounts that must be removed, as required under FCRA 605B. 
On XX/XX/year>, Equifax received my dispute via certified mail ( confirmed by XXXX tracking ). However, on XX/XX/year>, Equifax responded stating they would not block the fraudulent accounts as required by FCRA 605B. Instead, they : Forwarded my dispute to creditors instead of blocking the fraudulent accounts as required by law. 
Cited FCRA Section 605B ( c ) as a reason for non-compliance, which does not apply because I submitted all legally required documentation. 
Requested additional proof of identity despite already receiving my passport and Social Security card, which are valid forms of identification. 
In response, on XX/XX/year>, I sent a second notice demanding compliance with FCRA 605B and warning Equifax of their legal obligation to remove fraudulent accounts within XXXX business days. This second letter reiterated : That Equifax already had sufficient documentation to comply with FCRA 605B. 
That their refusal to block fraudulent accounts violates federal law. 
That further delays would result in legal action. 
Under FCRA 605B, Equifax was legally required to block fraudulent information from my credit report within XXXX business days of receiving my dispute. Instead, they have : Refused to block fraudulent accounts despite receiving a valid FTC Identity Theft Report. 
Forwarded my dispute to creditors instead of complying with the law. 
Delayed the process by requesting additional documents that were already provided. 
Failed to act within the legal timeframe outlined in FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
They have an account with XXXX XXXX for XXXX that is not mine. I have sent them everything, including police reports, and they will close it and transfer it to another collection agency. When I dispute it with the other collection agency they transfer it back. I had to hire an attorney for this because they were rude and they, harassed and threatened me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/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 2025-03-06 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 XXXXXXXX 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-03-06 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 recently discovered that I am a victim of identity theft. I ordered a copy of my credit report and noticed accounts that I have not authorized or opened. The name of those accounts are XXXX XXXX account # XXXX, XXXX XXXXXXXXXXXX XXXX account XXXX XXXX, XXXXXXXX XXXX  account # XXXX and XXXX XXXX  account # XXXX. The inquiries are XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX and XXXX. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS! Ive also included a copy of my police report, which was instructed by a XXXX XXXXXXXX to do so.

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 2025-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: PROSPERITY BANCSHARES, INC.
State: WA

Complaint narrative:
On or about XX/XX/XXXX, XXXX XXXX XXXX, XXXX executed a Deed of Trust in favor of Prosperity Bank, securing a loan of {$500000.00} against three pieces of Real Estate in XXXX and XXXX Counties. While the Deed of Trust was recorded in XXXX XXXX on XX/XX/XXXX, it was only recently recorded in XXXX XXXX. On XX/XX/XXXX, I sold property on Lot XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, to XXXX XXXX and XXXX XXXX for {$280000.00}. 

Before the sale took place, I proactively reached out to Prosperity Bank via email on ( XX/XX/XXXX ), requesting the release of the lien and an updated balance. These emails were ignored, and no action was taken by your institution. As a result, the sale proceeded without obtaining the necessary lien release. As a direct consequence of Prosperity Banks failure to respond to my requests, I was facing significant financial distress, including the threat of foreclosure on two of my properties. Furthermore, an important business transaction, that was scheduled to close on XX/XX/XXXX, was at risk because I was unable to access the necessary funds from my line of credit due to unresolved lien issues. 

XXXX XXXX bullied us into paying down significant amount of money and threatened us to foreclose on our properties. I was in a very significant business purchase at the moment when prosperity bank decided to pull the rug from under our foot and put us in a very stressful situation. 

I had to take a personal loan from my family member to close on the business transaction and also pay down prosperity bank. This also caused us to loose reputation in business relationships. I am still not able recover from the financial loss. 

The failure to act on my requests has placed me and my family in an untenable position, and I believe this situation could have been avoided had Prosperity Bank acted responsibly and in a timely manner. I request that you immediately review the circumstances and take the necessary actions to rectify this oversight. 

Prosperity Bank filed a lender title insurance policy claim but did not disclose the $ $ they recovered from the claim if any. In this case they double dipped and recovered money from us and also insurance company. They are also charging me {$130.00} a month for something that is not disclosed and I have reached out to them to ask for a disclosure and the emails are being ignored again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to notify you of your potential liability under 15 U.S.C. 1681o of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that [ describe the inaccurate informatione.g., an incorrect account, fraudulent charges, outdated negative information, etc. ] has been reported by [ furnishing entity ] to my credit file.

According to 15 U.S.C. 1681o, a consumer reporting agency or furnisher of information may be held civilly liable if they negligently fail to comply with their obligations under the FCRA, resulting in harm to a consumer. The failure to correct or investigate these errors in a timely manner constitutes a negligent violation, which entitles me to damages, including actual harm suffered and potential legal fees.

I am requesting that you : Conduct a reasonable investigation into this matter as required by the FCRA.

Provide documentation supporting the accuracy of the reported information.

Correct or remove the inaccurate information from my credit file immediately.

Please confirm in writing that you have received this dispute and provide an update on your findings within 30 days, as required by law. If this matter is not resolved appropriately, I am prepared to pursue further action, including seeking damages for negligence under 15 U.S.C. 1681o. 

Thank you for your prompt attention to this matter. I expect a response no later than XX/XX/year>. If you need additional information, please contact me at 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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-05 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: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  XXXX and the credit bureaus for inaccurate and misleading reporting. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, requires creditors to report only accurate and complete informationthis account is being reported incorrectly across different credit bureaus, violating that law.

I am not requesting a correctionI am demanding the complete deletion of this account from my credit report.

Reasons for deletion : Conflicting and misleading reporting across credit bureaus : Equifax : Reports the account as " XXXX '' with a balance of {$1000.00} and worst delinquency listed as " Bad Debt/Collection. '' TransUnion : Reports the account as " XXXX XXXX as XXXX XXXX '' with a balance of {$1000.00}. 
Experian : Does NOT report the account at all, meaning the reporting is inconsistent and incomplete. 

False and misleading credit utilization : XXXX XXXX is reporting a credit limit of {$300.00} while listing a balance of {$1000.00}, creating a 366 % utilization rate. This is an incorrect reflection of my actual credit usage and a violation of accurate credit reporting standards. 
Violation of my FCRA rights ( 15 U.S.C. 1681s-2 ) : Under the FCRA, XXXX and credit bureaus must report accurate, complete, and consistent information. 
Since this account is being reported differently across the bureaus, this constitutes an FCRA violation, and I have the right to demand its removal.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am beyond furious to see a fraudulent account on my credit report. This account was opened without my consent, and its clear that my identity has been stolen. This is NOT something I should be dealing with, and frankly, Im outraged that this is even on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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