vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
am filing a complaint against XXXX XXXX XXXX regarding an auto lease account that was repossessed in XXXX  but is still being reported inaccurately as an open account in current status. 
The account clearly reflects lease early termination / repossession with a last payment of XX/XX/year>, yet credit bureaus continue to display the account as Open with no balance, no delinquency, and no closure notation. This creates a contradictory and misleading record. 

I have contacted XXXX XXXX XXXX and the credit reporting agencies multiple times requesting correction or deletion. Instead of correcting the data, the company continues to furnish false, inconsistent, and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. 

This inaccurate furnishing causes me ongoing harm : The account is simultaneously coded as repossessed/early termination and as open/active, which is factually impossible. 

The false reporting makes it appear I have an active auto lease obligation from XXXX, which negatively affects my debt-to-income ratio and ability to qualify for new credit. 
The company failed to provide proper documentation or explanation when I requested verification.

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 2025-08-21 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: PA

Complaint narrative:
am filing a complaint against XXXX XXXX XXXX regarding an auto lease account that was repossessed in XXXX  but is still being reported inaccurately as an open account in current status. 
The account clearly reflects lease early termination / repossession with a last payment of XX/XX/year>, yet credit bureaus continue to display the account as Open with no balance, no delinquency, and no closure notation. This creates a contradictory and misleading record. 

I have contacted XXXX XXXX XXXX and the credit reporting agencies multiple times requesting correction or deletion. Instead of correcting the data, the company continues to furnish false, inconsistent, and incomplete information in violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. 

This inaccurate furnishing causes me ongoing harm : The account is simultaneously coded as repossessed/early termination and as open/active, which is factually impossible. 

The false reporting makes it appear I have an active auto lease obligation from XXXX, which negatively affects my debt-to-income ratio and ability to qualify for new credit. 
The company failed to provide proper documentation or explanation when I requested verification.

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 2025-08-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-21 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER 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 2025-08-21 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> - Balance {$710.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ ZIP Code ] [ Date ] LJ Ross Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Inaccurate/Unverified Debt Reporting Request for Validation To Whom It May Concern, I am formally disputing the validity of the account you claim I owe in the amount of {$770.00}, reported under my name. 

I have never received the legally required written notice under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which must be sent within XXXX days of initial communication and allows 30 days to dispute. Reporting this debt to the credit bureaus without providing proper notice and validation violates my rights under the FDCPA. 

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are prohibited from reporting inaccurate or unverifiable information to credit reporting agencies. Since no validation has been provided, the account as reported is inaccurate and must be deleted. 

I demand that you : XXXX. Provide full validation of this debt, including the original signed agreement and itemized payment history, or XXXX. Cease collection activity and delete this account from all credit bureaus immediately. 

Be advised that I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). If you fail to comply with my lawful request, I will not hesitate to pursue a private lawsuit against your company for damages under the FDCPA ( 15 U.S.C. 1692k ) and the FCRA ( 15 U.S.C. 1681n, 1681o ). 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MA

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

FRAUDELENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Balance {$3300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Balance {$870.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX  Balance {$2500.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Balance {$2000.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX  Balance {$900.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$120.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Balance {$170.00} XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX  Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
I am filing this complaint regarding a fraudulent and misrepresented Parent PLUS loan that was wrongfully opened in my name. I was misled by the schools financial aid office, who presented the loan process as part of standard XXXX support for my child. At no point was it clearly explained that I was entering into a legally binding federal loan agreement solely under my name, or that I would be held personally liable for repayment. 

I did not receive the required disclosures under the Truth in Lending Act, nor was I provided with plain, accessible information on the nature of this XXXX XXXX loan. Instead, I received vague and misleading emails from XXXX and financial aid administrators, marketing the XXXX XXXX loan as a financial aid tool for my child, without clearly stating the loan would be federally serviced in my name, would report to credit bureaus, and would cause serious negative impact to my credit in the case of missed or delayed payments. 

As a result of this misrepresentation, the loan entered delinquency status without my full understanding or consent. I only became aware of the delinquent status after noticing serious damage to my credit report, including XXXX past due marks listed under Department of Education which has harmed my ability to access credit and caused personal financial stress. 

Upon learning the true nature of the loan, I filed a formal dispute through the XXXX XXXX XXXX ( XXXX ) portal, clearly outlining the fraudulent origination and providing supporting documentation. The XXXX Department of Education accepted my dispute, closed the case, and reduced my XX/XX/XXXX loan balance to {$0.00} effectively confirming that the loan was issued improperly and should not remain active. 

Despite this, delinquent marks are still appearing on my credit report under Department of Education, even though the loan has been forgiven and closed. These entries are not only inaccurate, they are the result of a misrepresented and mishandled loan process that I did not knowingly agree to. These marks are severely affecting my credit standing and must be removed.

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 2025-08-21 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: GA

Complaint narrative:
I am filing this complaint regarding a fraudulent and misrepresented XXXX XXXX loan that was wrongfully opened in my name. I was misled by the schools financial aid office, who presented the loan process as part of standard XXXX support for my child. At no point was it clearly explained that I was entering into a legally binding federal loan agreement solely under my name, or that I would be held personally liable for repayment. 

I did not receive the required disclosures under the Truth in Lending Act, nor was I provided with plain, accessible information on the nature of this XXXX XXXX loan. Instead, I received vague and misleading emails from XXXX and financial aid administrators, marketing the XXXX XXXX loan as a financial aid tool for my child, without clearly stating the loan would be federally serviced in my name, would report to credit bureaus, and would cause serious negative impact to my credit in the case of missed or delayed payments. 

As a result of this misrepresentation, the loan entered delinquency status without my full understanding or consent. I only became aware of the delinquent status after noticing serious damage to my credit report, including XXXX past due marks listed under Department of Education which has harmed my ability to access credit and caused personal financial stress. 

Upon learning the true nature of the loan, I filed a formal dispute through the XXXX XXXX XXXX ( XXXX ) portal, clearly outlining the fraudulent origination and providing supporting documentation. The XXXX Department of Education accepted my dispute, closed the case, and reduced my Parent PLUS loan balance to {$0.00} effectively confirming that the loan was issued improperly and should not remain active. 

Despite this, delinquent marks are still appearing on my credit report under Department of Education, even though the loan has been forgiven and closed. These entries are not only inaccurate, they are the result of a misrepresented and mishandled loan process that I did not knowingly agree to. These marks are severely affecting my credit standing and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NJ

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. 

Please delete the following 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 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 Incorrect Personal, has violated my rights. 

I looked at my credit bureau EQUIFAX 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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. 

15 U.S.C. 1681B ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
On XXXX XX/XX/XXXX, I provided a check for my rent. It was for {$1500.00}. I had the funds in my Mountain America savings account. On XXXX XX/XX/XXXX, my landlord called me to inform me my check had returned NSF. On XXXX XX/XX/XXXX, I talked with Mountain Americas Contact Center at ( XXXX ) XXXX, only to find out why the check was not paid, given there were funds in my accounts. I was then told that my checking account was not set up to draw from my savings account if overdrawn. I specifically asked that my accounts be set up that way upon setup in XX/XX/XXXX. This call lasted for XXXX minutes. During that call I informed Mountain America that I would like to speak with a Supervisor because I was filing a complaint and I told the Representative once I received the paperwork from my landlord I would seek reimbursement for the charges that my landlord would charge me for the return check. A Supervisor never called me back. A complaint was never filed On Monday, XXXX XX/XX/XXXX, upon renewal of my lease, my landlord provided me with proof that Mountain America had reported the check as NSF. They provided me with a copy sent to the from their bank, XXXX XXXX. I went into the Mountain America branch and presented a receipt that showed I paid the {$150.00} fee my landlord charged me for the NSF check. I provided a copy of my lease that showed how the amount was calculated and I gave them a copy of the XXXX XXXX  paperwork. At first they stated they had no information about the issue when they looked in their system. Then they said there was no record of me calling into their call Center. A Supervisor said he would submit my request for an investigation. On XXXX XX/XX/XXXX, Assistant Branch Manager XXXX called me at XXXX am to inform me that because I had not informed them within 50 days they would not pay the charges. I told him I stated that there was a dispute in XXXX and Mountain America never followed up with me as I requested. He said things might be different if I had come into the branch instead of calling their Contact Center. I told him I wanted the decision appealed and reviewed at a higher level. He told me he would not do the request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My interest rate went from 0 % to 35 % without any notification. I had spent {$500.00} in interest without knowing.

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 monetary relief