vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have noticed multiple billing errors under 15 U.S. Code 1666 ( b ) related to incorrect late payment marks and failure to properly reflect payments and credits on my credit report. Despite my prior communication requesting proof from the creditor that these late marks are legally verified and investigated, I have not received any response. Specifically, the creditor has failed to provide solid proof that payments were not made on time, and I believe there are errors in how my payments were recorded. The creditor did not notify me 21 days before the due date with an accurate statement, which would exempt me from any late payments under the law. As such, I am requesting that the items be updated to 'Paid as Agreed '.

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 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
After hours of phone calls, lack of information, and multiple back and forth conversations, I was finally informed that my accrued interest increased in XX/XX/XXXX due to an " incorrect reduction of interest '' when my account was placed on administrative forbearance in XX/XX/XXXX. I was NOT notified when this issue was corrected, and only given this explanation after hours of effort on my part. To make matters worse, they confirmed on the phone that notification of the situation would only be sent out once someone actually reached out with questions, which is the WORST and LAZIEST way of approaching the situation. This is absurd and they need to rectify the situation. Now. This is BAD BUSINESS PRACTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MI

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-03-10 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:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-10 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-03-10 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: GA

Complaint narrative:
Request for Update to Paid As Agreed Never Late ( PAANL ) Violation of 15 USC 1637b To Whom It May Concern : I am writing to formally request an update to my credit report regarding my account with : 1 ) XXXX XXXX XXXX XXXX XXXX to the provisions of the Truth in Lending Act, specifically 15 USC 1637b, 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 provided the required notice, as outlined in section 1637b.

Section 1637b of the Truth in Lending Act clearly states that a creditor must inform the consumer in writing, within a reasonable period, if a payment has not been made within the grace period. Specifically, if a payment is considered late, it must not be treated as such unless the creditor notifies the consumer at least 21 days prior to the due date. As of today, I have not received any such notice regarding the account referenced above, nor have I been notified of any payment being considered late.

In light of this, I am requesting that my account be updated to reflect the accurate status of " Paid As Agreed Never Late '' ( PAANL ) as no late payments were reported or properly documented. Since no notification of a late payment has been issued in compliance with the law, my account status should accurately reflect that it was paid on time and as agreed.

I request that you update my credit report accordingly and remove any negative reporting related to this account. I expect a response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ), and would appreciate your prompt attention to this matter.

If you need any additional information or documentation to process my request, please do not hesitate to contact me. I appreciate your cooperation in ensuring that my credit report is accurate and complies with all applicable laws. 

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 2025-03-10 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are the accounts that I have reported as innacurate XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are the accounts that I have reported as innacurate XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-10 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: IL

Complaint narrative:
There are inquiries from your company on my credit report that I never consented to. I did not authorize these, and I expect a resolution immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint because a bankruptcy is being inaccurately reported on my credit file, even though it has not been verified and was not reported by the court. The bankruptcy was reported on XX/XX/year>, and while it is not showing a balance, its presence on my credit report is unverified and incorrect. 

My Actions to Resolve This Issue : I have disputed this bankruptcy directly with the credit bureaus ( Experian, Equifax, and TransUnion ), yet they continue to report it without providing proper verification.

I contacted the U.S. Bankruptcy Court, and they have confirmed that they do not furnish bankruptcy records to credit bureaus and did not report this bankruptcy. 
Despite this, the credit bureaus are still reporting the bankruptcy without validating the information from an official and legitimate source. 
Legal Basis for My Dispute : Bankruptcy Courts Do Not Report to Credit Bureaus ( 11 U.S. Code 107 ) The U.S. Bankruptcy Court does not furnish bankruptcy filings to credit bureaus.

Any bankruptcy appearing on my credit file was obtained from a third-party source, which must be verified with a legitimate, original document or removed.

Credit Bureaus Must Maintain Accurate and Verifiable Information ( 15 U.S. Code 1681i Fair Credit Reporting Act, FCRA ) Under the FCRA, credit bureaus are required to : Conduct a reasonable reinvestigation when a consumer disputes an item. 
Delete or correct any information that can not be verified with original documentation. 
Ensure that no account falsely linked to a bankruptcy continues to report as active, delinquent, or in collections. 
Errors on My Credit Report : Despite my attempts to dispute this bankruptcy, the credit bureaus continue to report it without providing verification from a legitimate source. Since the U.S. Bankruptcy Court has confirmed that it did not report this information, the credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to remove an unverified record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint because a bankruptcy is being inaccurately reported on my credit file, even though it has not been verified and was not reported by the court. The bankruptcy was reported on XX/XX/year>, and while it is not showing a balance, its presence on my credit report is unverified and incorrect. 

My Actions to Resolve This Issue : I have disputed this bankruptcy directly with the credit bureaus ( Experian, Equifax, and TransUnion ), yet they continue to report it without providing proper verification.

I contacted the U.S. Bankruptcy Court, and they have confirmed that they do not furnish bankruptcy records to credit bureaus and did not report this bankruptcy. 
Despite this, the credit bureaus are still reporting the bankruptcy without validating the information from an official and legitimate source. 
Legal Basis for My Dispute : Bankruptcy Courts Do Not Report to Credit Bureaus ( 11 U.S. Code 107 ) The U.S. Bankruptcy Court does not furnish bankruptcy filings to credit bureaus.

Any bankruptcy appearing on my credit file was obtained from a third-party source, which must be verified with a legitimate, original document or removed.

Credit Bureaus Must Maintain Accurate and Verifiable Information ( 15 U.S. Code 1681i Fair Credit Reporting Act, FCRA ) Under the FCRA, credit bureaus are required to : Conduct a reasonable reinvestigation when a consumer disputes an item. 
Delete or correct any information that can not be verified with original documentation. 
Ensure that no account falsely linked to a bankruptcy continues to report as active, delinquent, or in collections. 
Errors on My Credit Report : Despite my attempts to dispute this bankruptcy, the credit bureaus continue to report it without providing verification from a legitimate source. Since the U.S. Bankruptcy Court has confirmed that it did not report this information, the credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to remove an unverified record.

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 2025-03-10 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-10 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: NY

Complaint narrative:
I am disputing inaccuracies on my Experian and XXXX credit reports. These reports show late payments for XXXX XXXXXXXX XXXX XXXX, which do not appear on my XXXX report, where the account is listed as " paid on time. '' According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and integrity of the information they report, and inaccurate information must be corrected ( Section 1681e ( b ), 1681i ). 

Additionally, some of the accounts are incorrectly reported as 30 days late for both XX/XX/year> and XX/XX/year>, followed by XXXX days late in XX/XX/year>. This is inconsistent and inaccurate, as a XXXX late should reflect a gap between the two prior XXXX late payments. You failed to investigate this account properly and your neglect has violated my rights I have attached screenshots from my XXXX report showing the accounts as " paid on time. '' I request that the Experian and XXXX reports be corrected to paid on time or that the accounts be deleted if the information can not be corrected. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
Equifax Refuse to uphold my two valid police reports. I am tired of old information reappearing on my credit report, ( c ) Treatment of Inaccurate or Unverifiable Information ( a ), ( i ), ( ii ), ( b ) Requirements Relating to Reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( a ), the information may not be reinserted in the file by the consumer reporting agency unless the ( ii ) Notice to consumer of deleted information is reinserted the reporting agency shall notify the consumer in, writing not later than 5 business days after the reinsertion or if authorized by the consumer. ( iii ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. { my statement on file that I want everything to be sent to me in writing & also a victim of Identity Theft, also 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) ( c ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( b ), ( i ), 15 USC 1681 I ( iii ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraphs ( 6 ), ( b ), ( iii ) not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution, 611 15 USC 1681 I ( c ) provide written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion!!! ( b ) Statement of Dispute ( d ), ( e ). Experian along with the reporting collection agency or Debt collection agency are not Adhering to the law of the Fair Debt Collection Act and the Consumer Laws, Both of these companies have caused me not to obtain credit!!

Company response to consumer: Closed with explanation